Best Credit Union 4 Year CD Rates in DuBois, Pennsylvania, PA

You are viewing rates from credit unions across DuBois

Below are four year CD Rates from credit unions in DuBois, 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.

DuBois, PA - July 5, 2025

4 Year CD National Average : 0.82% ^?

Credit Unions	APY	MIN	MILES ^?
Citadel Citadel Corporate Headquarters Branch Restrictions	4.05% 4.00%	$75,000 $500	-	Learn More Add Review
Rate History: 4.00% → 4.05%
Ingersoll-rand Ingersoll-rand Fcu Branch Restrictions	3.96%	$1,000	-	Learn More Add Review
American Heritage Administrative Offices Branch Restrictions	3.90%	$1,000	-	Learn More
Rate History: 4.00% → 4.25% → 4.00% → 3.90%
Jobe0822@gmail.com \| Dec 22, 2020 Where is the 4.00/% rate? It doesn’t seem to exist? Read More Reviews (2)
Bayer Heritage Lanxess Branch Restrictions	3.87% 3.82%	$100,000 $100	-	Learn More Add Review
Rate History: 3.10% → 3.72% → 3.87%
Genisys 21 Blue Bell Branch Restrictions	3.83% 3.78%	$100,000 $500	-	Learn More Add Review
Rate History: 3.84% → 3.92% → 3.94% → 3.81% → 3.83%
Trumark Financial Headquarters Branch Restrictions	3.80% 3.75%	$75,000 $500	-	Learn More Add Review
Rate History: 4.00% → 4.05% → 3.80%
Discovery Main Office Branch Restrictions	3.75%	$100	-	Learn More Add Review
Rate History: 4.00% → 3.75%
Visions Wysox Branch Restrictions	3.50%	$500	-	Learn More Add Review
Rate History: 4.00% → 3.90% → 3.45% → 3.50%
Spirit Financial Morrisville Branch Restrictions	3.50%	$500	-	Learn More Add Review
Rate History: 3.75% → 3.50%
Corning Greencastle Branch Restrictions	3.40% 3.20%	$100,000 $1,000	-	Learn More Add Review
Rate History: 3.20% → 3.40%
Police & Fire Main Office Branch Restrictions	3.25%	$1,000	-	Learn More
Rate History: 3.75% → 4.00% → 3.25%
John \| Oct 9, 2023 Member for 50 years and have aeen it grow and develop with changing times and technology quickly and smoothly. Has helped me and my family, tremendously, through any and all crisis... don't know how Id ha ... Read More Reviews (1)
Pentagon Wilkes-barre Branch Restrictions	3.20%	$1,000	-	Learn More
Rate History: 3.80% → 3.20%
Rob \| Dec 25, 2023 I joined in PENFED in Spring Of 2023 after 15 yrs of belonging to one of the banking giants. I found my accounts dwindling fast unexplained decreases. I decided to close the account but had to return a mer... Read More Reviews (15)
Sun East Aston Branch Restrictions	3.10% 3.00%	$99,000 $500	-	Learn More
David Gibson \| Aug 10, 2021 There does not seem to be anywhere that I can locate info as to what my membership rights are in relation to decision making for the Credit Union. This seems to be a problem for any institution that is sup... Read More Reviews (2)
Pennsylvania State Employees Cup Branch Restrictions	2.65%	$500	-	Learn More Add Review
Rate History: 3.05% → 2.65%
Members 1st Rossmoyne Members 1 Fcu Branch Restrictions	1.75% 1.70% 1.60% 1.50% 1.45% 1.40%	$1,000,000 $100,000 $75,000 $50,000 $10,000 $500	-	Learn More Add Review
First Heritage Wellsboro Branch Restrictions	1.36%	$10,000	-	Learn More Add Review
Eagle One Frankford Ave Branch Restrictions	1.36%	$10,000	-	Learn More Add Review
Sru Sru Federal Credit Union Branch Restrictions	1.31%	$10,000	-	Learn More Add Review
Lanco Lanco Fcu Roseville Branch Restrictions	1.25%	$10,000	-	Learn More Add Review
Riverfront Riverfront Fcu Branch Restrictions	1.25%	$10,000	-	Learn More Add Review
Members Choice Financial Danville Branch Restrictions	1.20%	$100,000	-	Learn More Add Review
Patriot Corporate Office Branch Restrictions	1.20%	$100,000	-	Learn More Add Review
Erie Administartive Office Branch Restrictions	1.15%	$100,000	-	Learn More
Jenn2998 \| Sep 1, 2021 Tom garrett Read More Reviews (1)
Service 1st Danville Main Office Branch Restrictions	1.15%	$10,000	-	Learn More Add Review
South Jersey Truimph Baptist Branch Restrictions	1.15%	$10,000	-	Learn More Add Review
Ussco Johnstown Moxham Branch Restrictions	1.15%	$10,000	-	Learn More Add Review
Guthrie Elmer Ave Office Branch Restrictions	1.11%	$10,000	-	Learn More Add Review
Belco Community Credit Union Paxton Street Branch Restrictions	1.11%	$100,000	-	Learn More
Knaub: a very disatisfied customer. \| Jul 16, 2020 Save your time and go to a credit union that isn't out to rip you off. Borrowed money for an RV/trailer 2/2020. Covid came about in 3/2020, trailer stalled in manufacturing in another state, Indiana. BBCU ... Read More Reviews (2)
Tendto 1129 State Branch Restrictions	1.10%	$100,000	-	Learn More Add Review
Members Choice Financial Danville Branch Restrictions	1.10%	$10,000	-	Learn More Add Review
Patriot Corporate Office Branch Restrictions	1.10%	$10,000	-	Learn More Add Review
Apci Apci Federal Credit Union Branch Restrictions	1.10%	$10,000	-	Learn More Add Review
Lebanon Lebanon Federal Credit Union Branch Restrictions	1.05%	$10,000	-	Learn More
Sarah Martin \| Apr 23, 2019 I like the changes they made these past few years. Especially their online banking and mobile app. Loan rates are good. I do most of my business with them locally. A+ in attitude to customers. Not afr... Read More Reviews (3)
West Branch Valley Corporate Office Branch Restrictions	1.05%	$100,000	-	Learn More Add Review
Philadelphia Bloomsburg Branch Restrictions	1.05%	$10,000	-	Learn More Add Review
Viriva Community Viriva Community Cu - Bucks Branch Restrictions	1.05%	$10,000	-	Learn More Add Review
Tendto 1129 State Branch Restrictions	1.03%	$10,000	-	Learn More Add Review
Horizon Third Street Branch Restrictions	1.01%	$10,000	-	Learn More Add Review
Bellco Bellco Fcu Branch Restrictions	1.01%	$10,000	-	Learn More Add Review
Tri County Area 110 Pottstown Ave Branch Restrictions	1.01%	$100,000	-	Learn More Add Review
Hershey Hummelstown Office Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
Palco Fcu Palco Federal Credit Union Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
Frick Tri-county Uniontown Office Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
Everence Administrative Center Branch Restrictions	1.00%	$100,000	-	Learn More Add Review
Pennsylvania Central Main Office Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
Cacl Main Office Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
Diamond Headquarters Branch Restrictions	1.00%	$100,000	-	Learn More Add Review
Benchmark Call Center/main Office Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
Freedom Operations Center Branch Restrictions	1.00%	$500	-	Learn More Add Review
Fedchoice Philadelpia Financial Service Center Branch Restrictions	1.00%	$100,000	-	Learn More Add Review
Erie Administartive Office Branch Restrictions	0.95%	$10,000	-	Learn More
Jenn2998 \| Sep 1, 2021 Tom garrett Read More Reviews (1)
West Branch Valley Corporate Office Branch Restrictions	0.95%	$10,000	-	Learn More Add Review
Ufcw Community Wyoming Branch Restrictions	0.95%	$10,000	-	Learn More Add Review
Americhoice Bumble Bee Hollow Road Branch Restrictions	0.95%	$10,000	-	Learn More Add Review
Belco Community Credit Union Paxton Street Branch Restrictions	0.95%	$10,000	-	Learn More
Knaub: a very disatisfied customer. \| Jul 16, 2020 Save your time and go to a credit union that isn't out to rip you off. Borrowed money for an RV/trailer 2/2020. Covid came about in 3/2020, trailer stalled in manufacturing in another state, Indiana. BBCU ... Read More Reviews (2)
Hidden River Hidden River Credit Union Branch Restrictions	0.95%	$100,000	-	Learn More Add Review
Fedchoice Philadelpia Financial Service Center Branch Restrictions	0.95%	$10,000	-	Learn More Add Review
Widget Main Office Branch Restrictions	0.90%	$100,000	-	Learn More Add Review
Everence Administrative Center Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
First Capital Main Office Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
Heritage Valley Pleasant Valley Road Office Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
Parda Parda Federal Credit Union Branch Restrictions	0.90%	$10,000	-	Learn More
Renee G \| Mar 3, 2021 I have had a few on line issues over the past 2 days one gets corrected to have another creep up. I have talked to Nicole lots of times over the past few years, Tiffany yesterday and Yvette today. All 3 ... Read More Reviews (1)
Hidden River Hidden River Credit Union Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
Tri County Area 110 Pottstown Ave Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
Penn East Scranton Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
Choice One Community Wilkes Barre Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
Diamond Headquarters Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
Access Nba Credit Union Branch	0.85%	$10,000	-	Learn More Add Review
Widget Main Office Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Usx Cranberry Branch Restrictions	0.80%	$100,000	-	Learn More Add Review
Spe Science Park Office Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Sun Center City Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Franklin Mint Operation Office Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Norristown Bell Norristown Bell Credit Union Branch Restrictions	0.78%	$10,000	-	Learn More Add Review
The United The United Federal Credit Union Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
Gold General Office Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
Inspire Main Office Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
Advantage Financial Philadelphia Va Offices Branch Restrictions	0.75%	$100,000	-	Learn More Add Review
Usx Cranberry Branch Restrictions	0.70%	$10,000	-	Learn More Add Review
General Electric Employees Newtown Branch Restrictions	0.70%	$10,000	-	Learn More Add Review
Allegent Community Allegent Community Fcu Branch Restrictions	0.65%	$100,000	-	Learn More Add Review
Healthcare First Credit Union Market St Office Branch Restrictions	0.65%	$10,000	-	Learn More Add Review
Advantage Financial Philadelphia Va Offices Branch Restrictions	0.65%	$10,000	-	Learn More Add Review
Clearview Moon Township Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
People First Devonshire Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Riverset Credit Union Jane Street Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Galaxy Main Office Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
Allegent Community Allegent Community Fcu Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
Chrome Washington Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
White Rose East York Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
First Commonwealth Allentown Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Penn State Penn State Federal Credit Union Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
Net Olyphant Branch Restrictions	0.40%	$100,000	-	Learn More Add Review
Reliance King Of Prussia Branch Restrictions	0.37%	$10,000	-	Learn More Add Review
Clarion Clarion Federal Credit Union Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Net Olyphant Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Ardent Branch & Administrative Offices Restrictions	0.25%	$10,000	-	Learn More Add Review

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
CITADEL Citadel Corporate Headquarters Citadel Corporate Headquarters Branch	520 Eagleview Blvd	Exton	PA
CITADEL Citadel Corporate Headquarters Citadel Corporate Headquarters Branch	520 Eagleview Blvd	Exton	PA
INGERSOLL-RAND Ingersoll-rand Fcu Ingersoll-rand Fcu Branch	199 N Main St	Athens	PA
AMERICAN HERITAGE Administrative Offices Administrative Offices Branch	2060 Red Lion Rd	Philadelphia	PA
BAYER HERITAGE Lanxess Lanxess Branch	111 Parkwest Dr	Pittsburgh	PA
GENISYS 21 Blue Bell 21 Blue Bell Branch	1510 Dekalb Pike	Blue Bell	PA
BAYER HERITAGE Lanxess Lanxess Branch	111 Parkwest Dr	Pittsburgh	PA
TRUMARK FINANCIAL Headquarters Headquarters Branch	335 Commerce Dr	Fort Washington	PA
GENISYS 21 Blue Bell 21 Blue Bell Branch	1510 Dekalb Pike	Blue Bell	PA
DISCOVERY Main Office Main Office Branch	2744 Century Blvd	Wyomissing	PA
TRUMARK FINANCIAL Headquarters Headquarters Branch	335 Commerce Dr	Fort Washington	PA
VISIONS Wysox Wysox Branch	232 Ennis Ln	Towanda	PA
SPIRIT FINANCIAL Morrisville Morrisville Branch	1900 S Pennsylvania Ave	Morrisville	PA
CORNING Greencastle Branch Greencastle Branch	11677 Molly Pitcher Hwy	Greencastle	PA
POLICE & FIRE Main Office Main Office Branch	901 Arch St	Philadelphia	PA
CORNING Greencastle Branch Greencastle Branch	11677 Molly Pitcher Hwy	Greencastle	PA
PENTAGON Wilkes-barre Wilkes-barre Branch	880 Schechter Dr	Wilkes Barre	PA
SUN EAST Aston Branch Aston Branch	4500 Pennell Rd	Aston	PA
SUN EAST Aston Branch Aston Branch	4500 Pennell Rd	Aston	PA
PENNSYLVANIA STATE EMPLOYEES Cup Cup Branch	1 Credit Union Pl	Harrisburg	PA
MEMBERS 1ST Rossmoyne Members 1 Fcu Rossmoyne Members 1 Fcu Branch	5000 Louise Dr	Mechanicsburg	PA
MEMBERS 1ST Rossmoyne Members 1 Fcu Rossmoyne Members 1 Fcu Branch	5000 Louise Dr	Mechanicsburg	PA
MEMBERS 1ST Rossmoyne Members 1 Fcu Rossmoyne Members 1 Fcu Branch	5000 Louise Dr	Mechanicsburg	PA
MEMBERS 1ST Rossmoyne Members 1 Fcu Rossmoyne Members 1 Fcu Branch	5000 Louise Dr	Mechanicsburg	PA
MEMBERS 1ST Rossmoyne Members 1 Fcu Rossmoyne Members 1 Fcu Branch	5000 Louise Dr	Mechanicsburg	PA
MEMBERS 1ST Rossmoyne Members 1 Fcu Rossmoyne Members 1 Fcu Branch	5000 Louise Dr	Mechanicsburg	PA
FIRST HERITAGE Wellsboro Wellsboro Branch	17 East Ave	Wellsboro	PA
EAGLE ONE Frankford Ave Branch Frankford Ave Branch	2303 Frankford Ave	Philadelphia	PA
SRU Sru Federal Credit Union Sru Federal Credit Union Branch	235 Grove City Rd	Slippery Rock	PA
LANCO Lanco Fcu Roseville Lanco Fcu Roseville Branch	349 W Roseville Rd	Lancaster	PA
RIVERFRONT Riverfront Fcu Riverfront Fcu Branch	2001 Museum Rd	Wyomissing	PA
MEMBERS CHOICE FINANCIAL Danville Danville Branch	230 Walnut St	Danville	PA
PATRIOT Corporate Office Corporate Office Branch	800 Wayne Ave	Chambersburg	PA
ERIE Administartive Office Administartive Office Branch	1959 E 36th St	Erie	PA
SERVICE 1ST Danville Main Office Danville Main Office Branch	1207 Bloom St	Danville	PA
FIRST HARVEST Truimph Baptist Truimph Baptist Branch	1648 W Hunting Park Ave # 52	Philadelphia	PA
USSCO JOHNSTOWN Moxham Moxham Branch	522 Central Ave	Johnstown	PA
GUTHRIE COMMUNITY Elmer Ave Office Elmer Ave Office Branch	104 N Elmer Ave	Sayre	PA
BELCO COMMUNITY CREDIT UNION Paxton Street Paxton Street Branch	4015 Paxton Street	Harrisburg	PA
TENDTO 1129 State 1129 State Branch	1129 State St	Erie	PA
MEMBERS CHOICE FINANCIAL Danville Danville Branch	230 Walnut St	Danville	PA
PATRIOT Corporate Office Corporate Office Branch	800 Wayne Ave	Chambersburg	PA
APCI Apci Federal Credit Union Apci Federal Credit Union Branch	7201 Hamilton Blvd	Allentown	PA
LEBANON Lebanon Federal Credit Union Lebanon Federal Credit Union Branch	300 Schneider Dr	Lebanon	PA
WEST BRANCH VALLEY Corporate Office Corporate Office Branch	1640 High St	Williamsport	PA
PHILADELPHIA Bloomsburg Branch Bloomsburg Branch	2251 Columbia Blvd	Bloomsburg	PA
VIRIVA COMMUNITY Viriva Community Cu - Bucks Viriva Community Cu - Bucks Branch	157 York Rd	Warminster	PA
TENDTO 1129 State 1129 State Branch	1129 State St	Erie	PA
HORIZON Third Street Branch Third Street Branch	1007 E 3rd St	WILLIAMSPORT	PA
BELLCO Bellco Fcu Bellco Fcu Branch	609 Spring St	Wyomissing	PA
TRI COUNTY AREA 110 Pottstown Ave 110 Pottstown Ave Branch	110 Pottstown Ave	Pennsburg	PA
HERSHEY Hummelstown Office Hummelstown Office Branch	232 Hershey Rd	Hummelstown	PA
PALCO FCU Palco Federal Credit Union Palco Federal Credit Union Branch	191 Chad Rd	Muncy	PA
FRICK FINANCIAL Uniontown Office Uniontown Office Branch	235 Pittsburgh St	Uniontown	PA
EVERENCE Administrative Center Administrative Center Branch	2160 Lincoln Hwy E Ste 20	Lancaster	PA
PENNSYLVANIA CENTRAL Main Office Main Office Branch	959 E Park Dr	Harrisburg	PA
CACL Main Office Main Office Branch	1800 W Market St	Pottsville	PA
DIAMOND Headquarters Headquarters Branch	1600 Medical Dr	Pottstown	PA
BENCHMARK Call Center/main Office Call Center/main Office Branch	1522 McDaniel Dr	West Chester	PA
FREEDOM Operations Center Operations Center Branch	626 Jacksonville Rd	Warminster	PA
FEDCHOICE Philadelpia Financial Service Center Philadelpia Financial Service Center Branch	2970 Market St	Philadelphia	PA
ERIE Administartive Office Administartive Office Branch	1959 E 36th St	Erie	PA
WEST BRANCH VALLEY Corporate Office Corporate Office Branch	1640 High St	Williamsport	PA
UFCW COMMUNITY Wyoming Wyoming Branch	377 Wyoming Ave	Wyoming	PA
AMERICHOICE Bumble Bee Hollow Road Bumble Bee Hollow Road Branch	2175 Bumble Bee Hollow Rd	Mechanicsburg	PA
BELCO COMMUNITY CREDIT UNION Paxton Street Paxton Street Branch	4015 Paxton Street	Harrisburg	PA
HIDDEN RIVER Hidden River Credit Union Hidden River Credit Union Branch	60 Westwood Rd	Pottsville	PA
FEDCHOICE Philadelpia Financial Service Center Philadelpia Financial Service Center Branch	2970 Market St	Philadelphia	PA
WIDGET Main Office Main Office Branch	2154 E Lake Rd	Erie	PA
EVERENCE Administrative Center Administrative Center Branch	2160 Lincoln Hwy E Ste 20	Lancaster	PA
FIRST CAPITAL Main Office Main Office Branch	1601 Kenneth Rd	York	PA
HERITAGE VALLEY Pleasant Valley Road Office Pleasant Valley Road Office Branch	2400 Pleasant Valley Rd	York	PA
PARDA Parda Federal Credit Union Parda Federal Credit Union Branch	400 W Lincoln Ave	Lititz	PA
HIDDEN RIVER Hidden River Credit Union Hidden River Credit Union Branch	60 Westwood Rd	Pottsville	PA
TRI COUNTY AREA 110 Pottstown Ave 110 Pottstown Ave Branch	110 Pottstown Ave	Pennsburg	PA
PENN EAST Scranton Branch Scranton Branch	441 N 7th Ave	Scranton	PA
CHOICE ONE COMMUNITY Wilkes Barre Wilkes Barre Branch	101 Hazle St	Wilkes Barre	PA
DIAMOND Headquarters Headquarters Branch	1600 Medical Dr	Pottstown	PA
ACCESS Nba Credit Union Nba Credit Union Branch	23 Commerce Cir	Bristol	PA
WIDGET Main Office Main Office Branch	2154 E Lake Rd	Erie	PA
USX Cranberry Cranberry Branch	PO Box 1728	Cranberry Twp	PA
ARIZE Science Park Office Science Park Office Branch	650 Science Park Rd	State College	PA
SUN Center City Branch Center City Branch	Mellon Building Concourse Level	Philadelphia	PA
FRANKLIN MINT Operation Office Operation Office Branch	1974 Sproul Rd	Broomall	PA
3HILL Norristown Bell Credit Union Norristown Bell Credit Union Branch	1407 Erbs Mill Rd	Blue Bell	PA
THE UNITED The United Federal Credit Union The United Federal Credit Union Branch	6610 State Route 819	Mount Pleasant	PA
GOLD General Office General Office Branch	835 Hamilton St	Allentown	PA
INSPIRE Main Office Main Office Branch	2104 Bath Rd	Bristol	PA
ADVANTAGE FINANCIAL Philadelphia Va Offices Philadelphia Va Offices Branch	5000 WISSAHICKON AVE	PHILADELPHIA	PA
USX Cranberry Cranberry Branch	PO Box 1728	Cranberry Twp	PA
GENERAL ELECTRIC EMPLOYEES Newtown Newtown Branch	100 Campus Dr	Newtown	PA
ALLEGENT COMMUNITY Allegent Community Fcu Allegent Community Fcu Branch	1001 Liberty Ave	Pittsburgh	PA
HEALTHCARE FIRST CREDIT UNION Market St Office Market St Office Branch	353 Market St Ste 102	Johnstown	PA
ADVANTAGE FINANCIAL Philadelphia Va Offices Philadelphia Va Offices Branch	5000 WISSAHICKON AVE	PHILADELPHIA	PA
CLEARVIEW Moon Township Moon Township Branch	8805 University Blvd	Moon Township	PA
PEOPLE FIRST Devonshire Devonshire Branch	2141 Downyflake Ln	Allentown	PA
RIVERSET CREDIT UNION Jane Street Jane Street Branch	1700 Jane St	Pittsburgh	PA
GALAXY Main Office Main Office Branch	1313 Liberty St	Franklin	PA
ALLEGENT COMMUNITY Allegent Community Fcu Allegent Community Fcu Branch	1001 Liberty Ave	Pittsburgh	PA
CHROME Washington Branch Washington Branch	45 Griffith Ave	Washington	PA
WHITE ROSE East York East York Branch	3498 Industrial Hwy	York	PA
FIRST COMMONWEALTH Allentown Allentown Branch	450 Union Blvd	Allentown	PA
PENN STATE Penn State Federal Credit Union Penn State Federal Credit Union Branch	123 Amberleigh Ln	Bellefonte	PA
NET Olyphant Olyphant Branch	1444 E Lackawanna St	Olyphant	PA
RELIANCE King Of Prussia King Of Prussia Branch	20102 Valley Forge Cir	King of Prussia	PA
TOP TIER Clarion Federal Credit Union Clarion Federal Credit Union Branch	144 Holiday Inn Rd	Clarion	PA
NET Olyphant Olyphant Branch	1444 E Lackawanna St	Olyphant	PA
ARDENT Branch & Administrative Offices Branch & Administrative Offices	1500 Spring Garden St	Phila	PA

See rates for Online Banks →

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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

Credit Union Certificates of Deposit 2025

Credit union certificates of deposit (“CDs”, also commonly called “time deposits” at credit unions) are contract-based and time-based savings vehicles that are offered by credit unions. In return for agreeing to keep your money tied up with the credit union for a given time period, you earn a fixed rate or return that cannot change over the course of that period. Should you need your money before the expiration of the contractual period, the penalties for early withdrawal can be severe. Not all credit unions even offer early withdrawal from CDs; many that do offer it maintain the right to deny it in their fine print. It therefore is important to fully understand the terms of any time-based deposit that you enter with a credit union. Read this article for further detail on early withdrawal penalties.

Many Americans enjoy performing their banking transactions with credit unions, citing better rates, non-profit status (owned by its depositors), more helpful employees, and a commitment to the community that is above the level offered by local banks. You will find a map with all credit unions that are close to you here. It is important to note that some credit unions have limited fields of membership, although others are more open ended. Under any circumstance, you must meet the membership requirements in order to become a member and open a CD or time deposit.

Those who are willing to tie up their money for one year will often get a slight premium over the best available savings rates. People who work with credit unions may find that they offer better rates on CDs or time deposits than local banks and online banks. You however should check the local bank rates where you live here and the online rates here.

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

NCUA Insurance

Most, but not all, credit unions listed on BestCashCow are insured by the National Credit Union Administration (NCUA). You should confirm that the credit union that you are working with is NCUA-insured by visiting that institution’s BestCashCow page (NCUA coverage is detailed on the overview tab). The NCUA insures each named individual's deposits to $250,000 for all accounts at the credit union within ownership class. The rules are very similar, but not identical, to those for FDIC insurance. You should always stay within NCUA insurance limits.

BestCashCow strongly recommends that you deposit money only in NCUA insured credit unions and that you stay within insured limits. If you are considering depositing over $250,000 at a single NCUA-insured credit union across products (share certificates, time deposits, etc.) or across types of ownership (individual, joint, etc.) you should use the NCUA’s Share Insurance Toolkit in order to be sure that you are not exceeding coverage limits.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank?

The difference is mainly one of terminology. But, you should always completely understand the terms of a time deposit or CD before you enter it, paying careful attention to the early withdrawal penalties. A reasonable early withdrawal penalty for a 1-year CD or time deposit is 3 months, and a reasonable early withdrawal penalty for a longer term CD is 6 months.

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

This is a decision that depends on your own specific circumstances, your needs for cash, and other investments that you may wish to pursue over the period of your time deposit or CD. The premium in a one-year CD is very small, with the premium of longer-term CDs being a little wider. A small difference in compounding interest can make a large difference over long period of time. You may wish to familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your money over time.

SAVINGS & CD CALCULATOR

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Credit Union CD Rates – 4-Year – DuBois, Pennsylvania

Branches Info around zip 10116

PRODUCT INFORMATION

Credit Union Certificates of Deposit 2025

NCUA Insurance

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank?

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

SAVINGS & CD CALCULATOR

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CD Products by City in Pennsylvania

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