Best 5-Year CD Rates in DuBois, Pennsylvania, PA

You are viewing rates from banks across DuBois

Below are 5-year CD Rates from banks that are located in DuBois, { Pennsylvania}. Five Year Certificates of Deposit (CD) are generally the longest term CD that most banks will offer. They tend to offer the highest rates but require the longest commitment. Five year CDs are especially popular in a declining interest rate environment as depositors can lock money in at the highest rate possible for the longest period of time. They are also popular with depositors who are willing to lock up money for five years in return for extra yield.

DuBois, PA - July 5, 2025

5 Year CD National Average : 0.92% ^?

Banks	APY	MIN	MILES ^?
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: 4.50% → 4.25% → 4.00% → 3.75%
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)
Beal Bank Bethel Park Branch	3.45%	$1,000	-	Learn More Add Review
Rate History: 3.95% → 3.85% → 3.80% → 3.45%
Customers Bank Customers Bank Branch	3.25%	$500	-	Learn More
Rate History: 3.60% → 3.70% → 4.00% → 3.25%
James A. Elder \| Mar 25, 2020 I was told on the phone by a bank rep that my present money market acct interest rate would continue at 2.25% until June 30, 2020 and would be FDIC covered up to $250,000. Please verify if this is true???... Read More Reviews (3)
Mid Penn Bank Tremont Branch	3.20%	$500	-	Learn More Add Review
Rate History: 3.95% → 3.20%
SSB Bank SSB Bank Branch	3.02%	$500	-	Learn More Add Review
Rate History: 3.02% → 2.77% → 3.02%
Altoona First Savings Bank Altoona First Savings Bank Branch	2.75%	$1,000	-	Learn More Add Review
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 Marquette Savings Bank 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: 0.25% → 2.50%
Fifth Third Bank, National Association Cranberry Banking Center Branch	2.25%	$5,000	-	Learn More
Rate History: 0.01% → 2.25%
Juan Ricardo \| Nov 12, 2018 Helpful w/$ Read More Reviews (5)
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)
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)
Hyperion Bank Hyperion Bank Branch	1.95%	$500	-	Learn More Add Review
Rate History: 2.00% → 1.95%
United Bank Centra Bank-Smithfield Branch	1.90%	$50	-	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)
Coatesville Savings Bank Coatesville Savings Bank Branch	1.50%	$10,000	-	Learn More Add Review
The Northumberland National Bank The Northumberland National Bank Branch	1.35%	$100,000	-	Learn More Add Review
Somerset Trust Company Somerset Trust Company Branch	1.35%	$10,000	-	Learn More Add Review
County Savings Bank County Savings Bank Branch	1.35%	$10,000	-	Learn More Add Review
Tioga-Franklin Savings Bank Tioga-Franklin Savings Bank Branch	1.31%	$10,000	-	Learn More Add Review
Susquehanna Community Bank West Milton State Bank Branch	1.30%	$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)
Second Federal Savings and Loan Association of Philadelphia Second Federal Savings And Loan Asso Branch	1.30%	$10,000	-	Learn More Add Review
Port Richmond Savings Port Richmond Savings Branch	1.30%	$500	-	Learn More Add Review
Woodforest National Bank Edinboro Walmart Branch	1.30%	$500	-	Learn More
Rate History: 1.00% → 1.35% → 1.30%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
Hometown Bank of Pennsylvania Hometown Bank Of Pennsylvania Branch	1.26%	$10,000	-	Learn More Add Review
Parke Bank Spruce Street Branch	1.25%	$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)
First United National Bank First United National Bank Branch	1.25%	$500	-	Learn More Add Review
The Turbotville National Bank The Turbotville National Bank Branch	1.25%	$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)
The Northumberland National Bank The Northumberland National Bank Branch	1.25%	$10,000	-	Learn More Add Review
Hatboro Federal Savings, FA Hatboro Federal Savings, Fa Branch	1.25%	$1,000	-	Learn More Add Review
Asian Bank Asian Bank Branch	1.25%	$10,000	-	Learn More Add Review
The Victory Bank The Victory Bank Branch	1.20%	$10,000	-	Learn More Add Review
Milton Savings Bank Milton Savings Bank Branch	1.15%	$10,000	-	Learn More Add Review
Phoenixville Federal Bank and Trust Phoenixville Federal Bank And Trust Branch	1.15%	$500	-	Learn More Add Review
The National Bank of Malvern The National Bank Of Malvern Branch	1.10%	$10,000	-	Learn More Add Review
Community State Bank of Orbisonia Community State Bank Of Orbisonia Branch	1.06%	$500	-	Learn More Add Review
Provident Bank Easton Office Branch	1.05%	$10,000	-	Learn More
Abraham Farber \| May 14, 2015 looking to refinance into a fixed equity 15 yr loan, I have now a 1st Mortg & equity line total of about 218000. looking to get about 360 & pay off the old ones & have extra, I have a 4 unit house were we ... Read More Reviews (1)
Fulton Bank, National Association Denver Branch	1.01%	$1,000	-	Learn More Add Review
William Penn Bank William Penn Bank Branch	1.01%	$10,000	-	Learn More Add Review
Slovenian Savings and Loan Association of Franklin-Conemaugh Slovenian Savings And Loan Associati Branch	1.00%	$100,000	-	Learn More Add Review
Mifflinburg Bank and Trust Company Mifflinburg Bank And Trust Company Branch	1.00%	$5,000	-	Learn More Add Review
CNB Bank Ridgway Branch	1.00%	$10,000	-	Learn More Add Review
Mercer County State Bank Mercer County State Bank Branch	1.00%	$100,000	-	Learn More Add Review
Woodlands Bank Woodlands Bank Branch	1.00%	$10,000	-	Learn More Add Review
First Columbia Bank & Trust Co. First Columbia Bank & Trust Co. Branch	1.00%	$10,000	-	Learn More Add Review
CFSBANK Cfsbank Branch	1.00%	$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)
Apollo Trust Company Apollo Trust Company Branch	1.00%	$10,000	-	Learn More Add Review
Reliance Savings Bank Reliance Savings Bank Branch	1.00%	$10,000	-	Learn More Add Review
PennCrest Bank Cresson Br Branch	1.00%	$10,000	-	Learn More Add Review
Ameriserv Financial Bank Ameriserv Financial Bank Branch	1.00%	$10,000	-	Learn More Add Review
The Gratz Bank 260 Sunbury St Br Branch	1.00%	$10,000	-	Learn More Add Review
Jim Thorpe Neighborhood Bank Jim Thorpe Neighborhood Bank Branch	1.00%	$10,000	-	Learn More Add Review
Unity Bank Forks Township Branch	1.00%	$10,000	-	Learn More
CF \| Jul 11, 2020 A great bank. Rates are competitive and they have outstanding customer service. Read More Reviews (2)
First Federal Savings and Loan Association of Greene Co First Federal Savings And Loan Assoc Branch	1.00%	$10,000	-	Learn More Add Review
Harleysville Bank Harleysville Savings Bank Branch	1.00%	$10,000	-	Learn More
Keith Wright \| Aug 23, 2016 Great dividend, moderate growth, excellent customer service. Potential acquisition target Read More Reviews (1)
Ambler Savings Bank Ambler Savings Bank Branch	1.00%	$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)
William Penn Bank William Penn Bank Branch	1.00%	$10,000	-	Learn More Add Review
Iron Workers Savings Bank Iron Workers Savings Bank Branch	1.00%	$10,000	-	Learn More Add Review
United Savings Bank United Savings Bank Branch	1.00%	$10,000	-	Learn More Add Review
First Citizens Community Bank Blossburg Branch	0.95%	$100,000	-	Learn More Add Review
Elderton State Bank Elderton State Bank Branch	0.95%	$10,000	-	Learn More Add Review
First National Bank and Trust Company of Newtown First National Bank And Trust Compan Branch	0.95%	$10,000	-	Learn More Add Review
Mercer County State Bank Mercer County State Bank Branch	0.90%	$10,000	-	Learn More Add Review
First Citizens Community Bank Blossburg Branch	0.90%	$100,000	-	Learn More Add Review
The Dime Bank The Dime Bank Branch	0.90%	$10,000	-	Learn More Add Review
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania Jonestown Bank And Trust Company, Of Jonestown, Pennsylvania Branch	0.90%	$10,000	-	Learn More Add Review
First Bank Doylestown Branch Office	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 Sharon Savings Bank Branch	0.90%	$10,000	-	Learn More Add Review
Slovenian Savings and Loan Association of Franklin-Conemaugh Slovenian Savings And Loan Associati Branch	0.88%	$10,000	-	Learn More Add Review
Fleetwood Bank Fleetwood Bank Branch	0.85%	$500	-	Learn More Add Review
Citizens & Northern Bank Athens Branch	0.85%	$100,000	-	Learn More Add Review
Marion Center Bank Marion Center Bank Branch	0.85%	$10,000	-	Learn More Add Review
First Keystone Community Bank First Keystone Community Bank Branch	0.85%	$100,000	-	Learn More Add Review
Citizens Savings Bank Citizens Savings Bank Branch	0.85%	$10,000	-	Learn More Add Review
QNB Bank Qnb Bank Branch	0.85%	$10,000	-	Learn More Add Review
First National Bank of Pennsylvania Selinsgrove Branch	0.80%	$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)
PS Bank Ps Bank Branch	0.80%	$10,000	-	Learn More Add Review
The Honesdale National Bank The Honesdale National Bank Branch	0.80%	$10,000	-	Learn More Add Review
Greenville Savings Bank Greenville Savings Bank Branch	0.80%	$10,000	-	Learn More Add Review
First Keystone Community Bank First Keystone Community Bank Branch	0.80%	$10,000	-	Learn More Add Review
Wayne Bank Wayne Bank Branch	0.80%	$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)
Investment Savings Bank Investment Savings Bank Branch	0.80%	$10,000	-	Learn More Add Review
Penn Community Bank Bristol Branch	0.80%	$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)
1st Summit Bank 1st Summit Bank 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)
NBT Bank, National Association Carbondale Main Branch	0.75%	$10,000	-	Learn More Add Review
WesBanco Bank, Inc. Bellevue Bank Branch	0.75%	$10,000	-	Learn More Add Review
First Citizens Community Bank Blossburg Branch	0.75%	$10,000	-	Learn More Add Review
Enterprise Bank Enterprise Bank Branch	0.75%	$10,000	-	Learn More Add Review
Washington Financial Bank Washington Financial Bank Branch	0.75%	$10,000	-	Learn More Add Review
Wilmington Savings Fund Society, FSB 541 Lawrence Road Branch	0.75%	$2,500	-	Learn More
schoolbus2017 \| Nov 8, 2019 farmer Read More Reviews (1)
Meridian Bank Meridian Bank Branch	0.75%	$10,000	-	Learn More Add Review
The Juniata Valley Bank The Juniata Valley Bank Branch	0.70%	$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)
First Citizens Community Bank Blossburg Branch	0.70%	$10,000	-	Learn More Add Review
ESSA Bank & Trust Chester Pike Br Branch	0.70%	$10,000	-	Learn More Add Review
First Northern Bank and Trust Company First Northern Bank And Trust Compan Branch	0.70%	$10,000	-	Learn More Add Review
Embassy Bank for the Lehigh Valley Embassy Bank For The Lehigh Valley Branch	0.70%	$10,000	-	Learn More
Carly \| Jul 14, 2018 Excellent customer service Read More Reviews (1)
Farmers and Merchants Trust Company of Chambersburg The Fulton County Natl Bk And Tr Co Branch	0.70%	$100,000	-	Learn More Add Review
ACNB Bank Arendtsville Branch	0.70%	$10,000	-	Learn More Add Review
The Neffs National Bank The Neffs National Bank Branch	0.70%	$10,000	-	Learn More Add Review
American Bank American Bank Branch	0.70%	$10,000	-	Learn More Add Review
United Bank of Philadelphia United Bank Of Philadelphia Branch	0.70%	$10,000	-	Learn More Add Review
Univest Bank and Trust Co. Univest Bank And Trust Co. Branch	0.65%	$500	-	Learn More Add Review
Citizens & Northern Bank Athens Branch	0.65%	$10,000	-	Learn More Add Review
Farmers and Merchants Trust Company of Chambersburg The Fulton County Natl Bk And Tr Co Branch	0.65%	$10,000	-	Learn More Add Review
Kish Bank Kish Bank 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)
New Tripoli Bank New Tripoli Bank Branch	0.60%	$500	-	Learn More Add Review
The Andover Bank Old Community National Bank Of North Branch	0.60%	$1,000	-	Learn More Add Review
Chemung Canal Trust Company Canton 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 The Fidelity Deposit And Discount Ba Branch	0.60%	$100,000	-	Learn More Add Review
Mauch Chunk Trust Company Mauch Chunk Trust Company Branch	0.60%	$10,000	-	Learn More Add Review
MCS Bank Mcs Bank Branch	0.60%	$1,000	-	Learn More Add Review
Abacus Federal Savings Bank Philadelphia Branch	0.55%	$1,000	-	Learn More Add Review
The Huntington National Bank Beaver 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)
Peoples Security Bank and Trust Company Green Ridge Branch	0.50%	$1,000	-	Learn More Add Review
First Commonwealth Bank Houtzdale Branch	0.50%	$10,000	-	Learn More Add Review
NEXTIER BANK, NATIONAL ASSOCIATION Nextier Bk Na Branch	0.50%	$10,000	-	Learn More Add Review
Dollar Bank, Federal Savings Bank Allentown Branch	0.50%	$10,000	-	Learn More Add Review
S&T Bank Plum Branch	0.50%	$10,000	-	Learn More
Haja@gmail.com \| May 15, 2020 Sucks don’t ever get with this bank Read More Reviews (1)
West View Savings Bank West View Savings Bank Branch	0.50%	$10,000	-	Learn More Add Review
Community Bank Community Bank Branch	0.50%	$10,000	-	Learn More Add Review
Brentwood Bank Brentwood Bank Branch	0.50%	$10,000	-	Learn More Add Review
Slovenian Savings and Loan Association of Canonsburg Slovenian Savings And Loan Associati Branch	0.50%	$10,000	-	Learn More
Tbench3485@comcast.net \| Oct 7, 2019 64000 Read More Reviews (1)
Orrstown Bank Orrstown Bank 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
The Bank of Princeton Morebank Branch	0.50%	$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)
Berkshire Bank Vantage Point Bank Branch	0.50%	$10,000	-	Learn More
Run \| Jan 12, 2021 They put paychecks on hold for a day so don’t expect your paycheck right away and they don’t answer their phones Read More Reviews (2)
First Commonwealth Bank Houtzdale Branch	0.40%	$10,000	-	Learn More Add Review
Jersey Shore State Bank Spring Mills Branch	0.40%	$100,000	-	Learn More
Roy Miner \| Feb 24, 2019 This bank sucks I can't believe that I can't use my card on Sunday or get to my money is the owner a johvwinis that the bank can't get you your money on a Sunday or what this is bull shit I sent my wife to... Read More Reviews (1)
The Luzerne Bank The Luzerne Bank Branch	0.40%	$100,000	-	Learn More Add Review
Community Bank, National Association Jermyn Branch	0.35%	$100,000	-	Learn More Add Review
The Ephrata National Bank The Ephrata National Bank Branch	0.35%	$100,000	-	Learn More Add Review
Northwest Bank Coudersport Branch	0.32%	$10,000	-	Learn More Add Review
Community Bank, National Association Jermyn Branch	0.30%	$10,000	-	Learn More Add Review
The Ephrata National Bank The Ephrata National Bank Branch	0.30%	$10,000	-	Learn More Add Review
Commercial Bank and Trust of PA Commercial Bank And Trust Of Pa Branch	0.25%	$10,000	-	Learn More Add Review
Jersey Shore State Bank Spring Mills Branch	0.20%	$10,000	-	Learn More
Roy Miner \| Feb 24, 2019 This bank sucks I can't believe that I can't use my card on Sunday or get to my money is the owner a johvwinis that the bank can't get you your money on a Sunday or what this is bull shit I sent my wife to... Read More Reviews (1)
The Luzerne Bank The Luzerne Bank Branch	0.20%	$10,000	-	Learn More Add Review
Firstrust Savings Bank Firstrust Savings Bank Branch	0.10%	$10,000	-	Learn More Add Review
KeyBank National Association Warren 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)
Truist Bank Oxford 3rd Street Branch	0.05%	$1,000	-	Learn More
Customer \| Jul 28, 2022 Not at all happy with Truist compared to BB+T. New transaction policy makes them painfully slow. Paying .01 % interest on money market accounts, 13 week T Bill's are around $2.5%.I hope that they are enj... Read More Reviews (6)
PNC Bank, National Association Bridgeville 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 Bangor 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)

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
Beal Bank USA Philadelphia Branch	150 Allendale Road, Bldg. 3 Suie 300	King Of Prussia	PA
XD Bank Bethel Park Branch	1680 Washington Road, Suite 100	Pittsburgh	PA
Customers Bank Customers Bank Branch	99 Bridge St	Phoenixville	PA
Mid Penn Bank Tremont Branch	29 Main Street	Tremont	PA
SSB Bank SSB Bank Branch	8700 Perry Highway	Pittsburgh	PA
Altoona First Savings Bank Altoona First Savings Bank Branch	203 North Logan Boulevard	Altoona	PA
Citizens Http:/Www.Citizensbank.com/ Branch	Direct Bank Deposit Support Po Box 535857	Pittsburgh	PA
Marquette Savings Bank Marquette Savings Bank Branch	920 Peach Street	Erie	PA
The Farmers National Bank of Canfield Midland Branch	629 Midland Avenue	Midland	PA
Fifth Third Bank, National Association Cranberry Banking Center Branch	940 Shearton Drive	Mars	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
Hyperion Bank Hyperion Bank Branch	199 West Girard Avenue	Philadelphia	PA
United Bank Centra Bank-Smithfield Branch	69 Main Street	Smithfield	PA
Presence Bank Coatesville Savings Bank Branch	185 East Lincoln Highway	Coatesville	PA
The Northumberland National Bank The Northumberland National Bank Branch	245 Front Street	Northumberland	PA
Somerset Trust Company Somerset Trust Company Branch	151 West Main Street	Somerset	PA
County Savings Bank County Savings Bank Branch	10 Powhattan Ave	Essington	PA
Tioga-Franklin Savings Bank Tioga-Franklin Savings Bank Branch	320 East Girard Avenue	Philadelphia	PA
Susquehanna Community Bank West Milton State Bank Branch	940 High Street	West Milton	PA
Second Federal Savings and Loan Association of Philadelphia Second Federal Savings And Loan Asso Branch	1727 Chestnut Street	Philadelphia	PA
Port Richmond Savings Port Richmond Savings Branch	2522 East Allegheny Avenue	Philadelphia	PA
Woodforest National Bank Edinboro Walmart Branch	108 Washington Towne Boulvard	Edinboro	PA
Hometown Bank of Pennsylvania Hometown Bank Of Pennsylvania Branch	638 East Pitt Street	Bedford	PA
Parke Bank Spruce Street Branch	1610 Spruce Street	Philadelphia	PA
First United National Bank First United National Bank Branch	Routes 157 And 208	Fryburg	PA
The Turbotville National Bank The Turbotville National Bank Branch	4710 State Route 54	Turbotville	PA
The Northumberland National Bank The Northumberland National Bank Branch	245 Front Street	Northumberland	PA
Hatboro Federal Savings, FA Hatboro Federal Savings, Fa Branch	221 South York Road	Hatboro	PA
Asian Bank Asian Bank Branch	815-837 Arch Street	Philadelphia	PA
The Victory Bank The Victory Bank Branch	548 North Lewis Road	Limerick	PA
Milton Savings Bank Milton Savings Bank Branch	80 Broadway	Milton	PA
Phoenixville Federal Bank and Trust Phoenixville Federal Bank And Trust Branch	564 Nutt Road	Phoenixville	PA
The National Bank of Malvern The National Bank Of Malvern Branch	King And Warren Streets	Malvern	PA
Community State Bank of Orbisonia Community State Bank Of Orbisonia Branch	761 Elliott St	Orbisonia	PA
Provident Bank Easton Office Branch	4787 Freemansburg Avenue	Easton	PA
Fulton Bank, National Association Denver Branch	335 Main Street	Denver	PA
William Penn Bank William Penn Bank Branch	1309 South Woodbourne Road	Levittown	PA
Slovenian Savings and Loan Association of Franklin-Conemaugh Slovenian Savings And Loan Associati Branch	361 First St	Conemaugh	PA
Mifflinburg Bank and Trust Company Mifflinburg Bank And Trust Company Branch	250 East Chestnut Street	Mifflinburg	PA
CNB Bank Ridgway Branch	301 Main Street	Ridgway	PA
Mercer County State Bank Mercer County State Bank Branch	3279 South Main Street	Sandy Lake	PA
Woodlands Bank Woodlands Bank Branch	2450 East Third Street	Williamsport	PA
Journey Bank First Columbia Bank & Trust Co. Branch	232 East Street	Bloomsburg	PA
CFSBANK Cfsbank Branch	101 Mckean Avenue	Charleroi	PA
Apollo Trust Company Apollo Trust Company Branch	201 North Warren Avenue	Apollo	PA
Reliance Savings Bank Reliance Savings Bank Branch	1119 Twelfth Street	Altoona	PA
PennCrest Bank Cresson Br Branch	700 Second Street	Cresson	PA
Ameriserv Financial Bank Ameriserv Financial Bank Branch	216 Franklin Street	Johnstown	PA
LINKBANK 260 Sunbury St Br Branch	260 Sunbury Street	Minersville	PA
Jim Thorpe Neighborhood Bank Jim Thorpe Neighborhood Bank Branch	12 Broadway	Jim Thorpe	PA
Unity Bank Forks Township Branch	1700 Sullivan Trail	Easton	PA
First Federal Savings and Loan Association of Greene Co First Federal Savings And Loan Assoc Branch	25 East High St	Waynesburg	PA
Harleysville Bank Harleysville Savings Bank Branch	271 Main Street	Harleysville	PA
Ambler Savings Bank Ambler Savings Bank Branch	155 E Butler Ave	Ambler	PA
William Penn Bank William Penn Bank Branch	1309 South Woodbourne Road	Levittown	PA
Iron Workers Savings Bank Iron Workers Savings Bank Branch	3333 Concord Road	Aston	PA
United Savings Bank United Savings Bank Branch	1510 Packer Avenue	Philadelphia	PA
First Citizens Community Bank Blossburg Branch	300 Main Street	Blossburg	PA
Elderton State Bank Elderton State Bank Branch	143 Main Street	Elderton	PA
First National Bank and Trust Company of Newtown First National Bank And Trust Compan Branch	40 South State Street	Newtown	PA
Mercer County State Bank Mercer County State Bank Branch	3279 South Main Street	Sandy Lake	PA
First Citizens Community Bank Blossburg Branch	300 Main Street	Blossburg	PA
The Dime Bank The Dime Bank Branch	820-822 Church Street	Honesdale	PA
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania Jonestown Bank And Trust Company, Of Jonestown, Pennsylvania Branch	2 West Market Street	Jonestown	PA
First Bank Doylestown Branch Office	200 S Main Street	Doylestown	PA
Sharon Bank Sharon Savings Bank Branch	9 Chester Pike	Darby	PA
Slovenian Savings and Loan Association of Franklin-Conemaugh Slovenian Savings And Loan Associati Branch	361 First St	Conemaugh	PA
Fleetwood Bank Fleetwood Bank Branch	Main And Franklin Streets	Fleetwood	PA
Citizens & Northern Bank Athens Branch	428 South Main Street	Athens	PA
Marion Center Bank Marion Center Bank Branch	1271 Indian Springs Road	Indiana	PA
First Keystone Community Bank First Keystone Community Bank Branch	111 West Front Street	Berwick	PA
Citizens Savings Bank Citizens Savings Bank Branch	500 South State Street	Clarks Summit	PA
QNB Bank Qnb Bank Branch	15 North Third Street	Quakertown	PA
First National Bank of Pennsylvania Selinsgrove Branch	2 South Market Street	Selinsgrove	PA
PS Bank Ps Bank Branch	Route 6 East	Wyalusing	PA
The Honesdale National Bank The Honesdale National Bank Branch	733 Main Street	Honesdale	PA
Greenville Savings Bank Greenville Savings Bank Branch	233 Main Street	Greenville	PA
First Keystone Community Bank First Keystone Community Bank Branch	111 West Front Street	Berwick	PA
Wayne Bank Wayne Bank Branch	717 Main Street	Honesdale	PA
Investment Savings Bank Investment Savings Bank Branch	1201 Eighth Avenue	Altoona	PA
Penn Community Bank Bristol Branch	118 Mill Street	Bristol	PA
1st Summit Bank 1st Summit Bank Branch	125 Donald Lane	Johnstown	PA
NBT Bank, National Association Carbondale Main Branch	41 North Main Street	Carbondale	PA
WesBanco Bank, Inc. Bellevue Bank Branch	683 Lincoln Avenue	Pittsburgh	PA
First Citizens Community Bank Blossburg Branch	300 Main Street	Blossburg	PA
Enterprise Bank Enterprise Bank Branch	4091 Mount Royal Boulvard	Allison Park	PA
Washington Financial Bank Washington Financial Bank Branch	77 South Main Street	Washington	PA
Wilmington Savings Fund Society, FSB 541 Lawrence Road Branch	541 Lawrence Road	Broomall	PA
Meridian Bank Meridian Bank Branch	1776 E. Lancaster Avenue	Paoli	PA
The Juniata Valley Bank The Juniata Valley Bank Branch	1 S Main St	Mifflintown	PA
First Citizens Community Bank Blossburg Branch	300 Main Street	Blossburg	PA
ESSA Bank & Trust Chester Pike Br Branch	8045 West Chester Pike	Upper Darby	PA
First Northern Bank and Trust Company First Northern Bank And Trust Compan Branch	Fourth Street And Lafayette Avenue	Palmerton	PA
Embassy Bank for the Lehigh Valley Embassy Bank For The Lehigh Valley Branch	100 Gateway Drive	Bethlehem	PA
Farmers and Merchants Trust Company of Chambersburg The Fulton County Natl Bk And Tr Co Branch	100 Lincoln Way East	Mcconnellsburg	PA
ACNB Bank Arendtsville Branch	101 Main Street	Arendtsville	PA
The Neffs National Bank The Neffs National Bank Branch	5629 Pennsylvania Route 873	Neffs	PA
American Bank American Bank Branch	4029 West Tilghman Street	Allentown	PA
United Bank of Philadelphia United Bank Of Philadelphia Branch	30 South 15th Street, 1st Floor	Philadelphia	PA
Univest Bank and Trust Co. Univest Bank And Trust Co. Branch	10 West Broad Street	Souderton	PA
Citizens & Northern Bank Athens Branch	428 South Main Street	Athens	PA
Farmers and Merchants Trust Company of Chambersburg The Fulton County Natl Bk And Tr Co Branch	100 Lincoln Way East	Mcconnellsburg	PA
Kish Bank Kish Bank Branch	4255 East Main Street	Belleville	PA
New Tripoli Bank New Tripoli Bank Branch	Market And Madison Streets	New Tripoli	PA
The Andover Bank Old Community National Bank Of North Branch	53 East State Street	Albion	PA
Chemung Canal Trust Company Canton Branch	5 West Main Street	Canton	PA
InFirst Bank Infirst Bank Branch	935 Philadelphia Street	Indiana	PA
The Fidelity Deposit and Discount Bank The Fidelity Deposit And Discount Ba Branch	Blakely And Drinker Streets	Dunmore	PA
Mauch Chunk Trust Company Mauch Chunk Trust Company Branch	1111 North Street	Jim Thorpe	PA
MCS Bank Mcs Bank Branch	19 North Brown Street	Lewistown	PA
Abacus Federal Savings Bank Philadelphia Branch	147-151 North 10th Street	Philadelphia	PA
The Huntington National Bank Beaver Branch	671 Third Street	Beaver	PA
Peoples Security Bank and Trust Company Green Ridge Branch	1901 Sanderson Avenue	Scranton	PA
First Commonwealth Bank Houtzdale Branch	709 Hannah Street	Houtzdale	PA
NEXTIER BANK, NATIONAL ASSOCIATION Nextier Bk Na Branch	204 South Jackson Street	Evans City	PA
Dollar Bank, Federal Savings Bank Allentown Branch	820 Warrington Avenue	Pittsburgh	PA
S&T Bank Plum Branch	7660 Saltsburg Road	Pittsburgh	PA
West View Savings Bank West View Savings Bank Branch	9001 Perry Highway	Pittsburgh	PA
Community Bank Community Bank Branch	100 Market Street	Carmichaels	PA
Brentwood Bank Brentwood Bank Branch	411 Mcmurray Road, Suite 200	Bethel Park	PA
Slovenian Savings and Loan Association of Canonsburg Slovenian Savings And Loan Associati Branch	130 Boone Avenue	Strabane	PA
Orrstown Bank Orrstown Bank Branch	77 East King Street	Shippensburg	PA
Bank of Bird-in-Hand Bank Of Bird-In-hand Branch	309 North Ronks Road	Bird In Hand	PA
The Bank of Princeton Morebank Branch	470 West Cheltenham Avenue	Philadelphia	PA
Berkshire Bank Vantage Point Bank Branch	100 Gibraltar Road	Horsham	PA
First Commonwealth Bank Houtzdale Branch	709 Hannah Street	Houtzdale	PA
Jersey Shore State Bank Spring Mills Branch	3635 Penns Valley Road	Spring Mills	PA
The Luzerne Bank The Luzerne Bank Branch	118 Main Street	Luzerne	PA
Community Bank, National Association Jermyn Branch	645 Washington Avenue	Jermyn	PA
The Ephrata National Bank The Ephrata National Bank Branch	31 East Main Street	Ephrata	PA
Northwest Bank Coudersport Branch	302 North East Street	Coudersport	PA
Community Bank, National Association Jermyn Branch	645 Washington Avenue	Jermyn	PA
The Ephrata National Bank The Ephrata National Bank Branch	31 East Main Street	Ephrata	PA
Commercial Bank and Trust of PA Commercial Bank And Trust Of Pa Branch	900 Ligonier Street	Latrobe	PA
Jersey Shore State Bank Spring Mills Branch	3635 Penns Valley Road	Spring Mills	PA
The Luzerne Bank The Luzerne Bank Branch	118 Main Street	Luzerne	PA
Firstrust Savings Bank Firstrust Savings Bank Branch	15 East Ridge Pike	Conshohocken	PA
KeyBank National Association Warren Branch	315 Second Avenue	Warren	PA
Truist Bank Oxford 3rd Street Branch	24 South 3rd Street	Oxford	PA
PNC Bank, National Association Bridgeville Branch	456 Washington Avenue	Bridgeville	PA
Bank of America, National Association Bangor Branch	29 South Main Street	Bangor	PA

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PRODUCT INFORMATION

Five Year CDs - Branch Banks 2025

Five-year CDs are the big kahuna of the CD world. While banks may offer six-year, seven-year, or even 10-year CDs, the five-year is the longest of the most commonly offered terms. The 5-year CD is therefore often the highest offer at your local bank. Therefore, the temptation for those looking for yield is to open one, deposit money, and forget about it for five years. This could be a mistake. In rising rate environments a five-year CD may not be a good investment.

Safety

Like every other CD term, five year CDs from FDIC insured banks are protected 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.

Inflation

The principle threat to a a five year CD is inflation. If the CD is opened in a low rate environment, and rates and inflation subsequently rise, then inflation will erode the value of the certificate of deposit over its five years. For example, if a depositor opened a five year CD in year 1 with a yield of 2.05% APY and inflation at 1.5%, then the real return is .55 percentage points. But if inflation rises the next year to 2.5% and stays there for the next four years, then the CD in real terms is losing money every year: 2.05% - 2.5% = -.45%.

While it is impossible for anyone to predict too far into the future, savers should be cognizant of the economic environment before locking up money for a five year time-period. Our rate analysis page provides some insight into where we think rates will go.

On the other hand, if rates are falling and will continue to do so for some time due to an economic recession then it makes sense to lock in a higher rate with a five year CD. Savers who opened five year CDs in 2008 immediately after the financial crisis were able to lock in rates in the 6% range, a great move considering two years later a five year CD paid below 3%.

Interest

Five-year CDs currently pay about 1.00% 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.

Opening a Five Year CD

Opening a five year CD in a branch is relatively easy and similar to every other CD term. Most banks require the customer be a resident of the United States and most branch-based banks ask that the account be opened in the bank. Funding can be performed by transferring money that is already located at that bank or by check or ACH transfer from another bank. The CD can be opened that day and the rate locked.

With longer term CDs, savers should make sure they put a record of the CD in a safe place and that if they move, they forward their new address to the bank. In cases where the bank cannot find the CD holder, the bank may hand the funds over to a state authority as a lost deposit, and it will require onerous paperwork to reclaim the money.

ADVANTAGES AND DISADVANTAGES OF FIVE YEAR CDs

Advantages of five year CDs

5 year CDs provide the highest rate of the common CD terms.
The return is fixed for five years, which is an advantage in a flat or falling rate environment.

Disadvantages of five year CDs

The money is locked away for five years and cannot be withdrawn without a substantial 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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PRODUCT INFORMATION

Five Year CDs - Branch Banks 2025

Safety

Inflation

Interest

Opening a Five Year CD

ADVANTAGES AND DISADVANTAGES OF FIVE YEAR CDs

Advantages of five year CDs

Disadvantages of five year CDs

SAVINGS & CD CALCULATOR

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