Best Credit Union 6 Month CD Rates in Pennsylvania, PA

You are viewing rates from credit unions across Pennsylvania

Below are the best six month CD Rates from credit unions in Pennsylvania. Six month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 6 month CD if you are concerned about savings rates dropping and don’t mind locking up your money for six months.

PA - July 31, 2025

6 Month CD National Average : 0.41% ^?

Credit Unions	APY	MIN	MILES ^?
Discovery Discovery Branch Restrictions	4.75%	$100	-	Learn More Add Review
Rate History: 5.00% → 4.75%
Sun East Upper Darby Branch Restrictions	4.35% 4.25%	$99,000 $500	-	Learn More
Rate History: 4.35% → 3.85% → 4.35%
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)
Corning Greencastle Branch Restrictions	4.10% 3.90%	$100,000 $1,000	-	Learn More Add Review
Rate History: 3.20% → 3.70% → 4.10%
Citadel Citadel Corporate Headquarters Branch Restrictions	4.05% 4.00%	$75,000 $500	-	Learn More Add Review
Trumark Financial Upper Darby Branch Restrictions	4.05% 4.00%	$75,000 $500	-	Learn More Add Review
Rate History: 4.55% → 5.05% → 4.30% → 4.15% → 4.05%
Visions Visions Branch Restrictions	4.00%	$500	-	Learn More Add Review
Rate History: 3.15% → 4.00%
American Heritage Horsham - Maple Branch Restrictions	4.00%	$1,000	-	Learn More
Rate History: 4.90% → 4.50% → 5.00% → 4.50% → 4.00%
Jobe0822@gmail.com \| Dec 22, 2020 Where is the 4.00/% rate? It doesn’t seem to exist? Read More Reviews (2)
Pennsylvania State Employees Pennsylvania State E Branch Restrictions	3.90%	$500	-	Learn More Add Review
Rate History: 4.00% → 4.50% → 3.90%
State Employees' Restrictions	3.90%	$250	-	Learn More Add Review
Rate History: 4.50% → 4.40% → 4.25% → 3.90%
Spirit Financial Fairless Branch Restrictions	3.75%	$500	-	Learn More Add Review
Rate History: 4.00% → 3.75%
Genisys Genisys Branch Restrictions	3.54% 3.48%	$100,000 $500	-	Learn More Add Review
Rate History: 3.48% → 3.48% → 3.75% → 3.49% → 3.54%
Unify Financial Restrictions	3.50%	$1,000	-	Learn More
dapatton@pacbell.net \| May 12, 2016 19 what, years or months Read More Reviews (1)
Corporate America Family Corporate America Fa Branch Restrictions	3.30% 3.25%	$10,000 $1,000	-	Learn More Add Review
Police & Fire Police & Fire Branch Restrictions	3.00%	$1,000	-	Learn More
Rate History: 3.60% → 3.75% → 4.00% → 3.25% → 3.00%
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	2.90%	$1,000	-	Learn More
Rate History: 3.00% → 2.90%
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)
Merck Sharp & Dohme Merck Sharp & Dohme Branch Restrictions	2.50%	$500	-	Learn More Add Review
Ingersoll-rand Ingersoll-rand Branch Restrictions	2.37%	$1,000	-	Learn More Add Review
Department of Commerce Restrictions	2.23%	$500	-	Learn More
Rate History: 4.87% → 4.35% → 4.08% → 3.40% → 2.23%
member \| Dec 14, 2022 Agree with Jaben to stay away from docfcu. They don't appreciate loyal members and easily turn down any requests after a delayed response. I have closed my accounts and moved my funds to better institutio... Read More Reviews (2)
Members 1st Members 1st Branch Restrictions	1.15% 1.10% 1.00% 0.90% 0.85% 0.80%	$1,000,000 $100,000 $75,000 $50,000 $10,000 $500	-	Learn More Add Review
Bayer Heritage Bayer Heritage Branch Restrictions	1.01%	$100	-	Learn More Add Review
Rate History: 5.13% → 4.60% → 4.34% → 3.93% → 1.01%
Erie Erie Branch Restrictions	0.80%	$100,000	-	Learn More
Jenn2998 \| Sep 1, 2021 Tom garrett Read More Reviews (1)
Riverfront Riverfront Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
Parda Parda Branch Restrictions	0.65%	$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)
Eagle One Eagle One Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Erie Erie Branch Restrictions	0.60%	$10,000	-	Learn More
Jenn2998 \| Sep 1, 2021 Tom garrett Read More Reviews (1)
Guthrie Guthrie Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Palco Fcu Palco Fcu Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Apci Apci Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Polish & Slavic Restrictions	0.55%	$500	-	Learn More Add Review
Bellco Bellco Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
Diamond Headquarters Branch Restrictions	0.55%	$100,000	-	Learn More Add Review
Tendto Erie Community Branch Restrictions	0.54%	$100,000	-	Learn More Add Review
Tendto Erie Community Branch Restrictions	0.51%	$10,000	-	Learn More Add Review
South Jersey Truimph Baptist Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Philadelphia Philadelphia Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Sru Sru Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Usx Usx Branch Restrictions	0.50%	$100,000	-	Learn More Add Review
Riverset Credit Union Riverset Credit Unio Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Everence Mennonite Financial Branch Restrictions	0.50%	$100,000	-	Learn More Add Review
Diamond Headquarters Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Ukrainian Selfreliance Ukrainian Selfrelian Branch Restrictions	0.50%	$100,000	-	Learn More Add Review
First Heritage First Heritage Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
West Branch Valley West Branch Valley Restrictions	0.45%	$100,000	-	Learn More Add Review
Choice One Community Choice One Community Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
Century Heritage Century Heritage Branch Restrictions	0.45%	$500	-	Learn More Add Review
New Cumberland New Cumberland Branch	0.45%	$100,000	-	Learn More Add Review
Belco Community Credit Union Belco Community Cred Branch Restrictions	0.45%	$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)
Freedom Freedom Branch Restrictions	0.40%	$500	-	Learn More Add Review
Widget Erie General Electri Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
Penn East Penn East Branch Restrictions	0.40%	$100,000	-	Learn More Add Review
Galaxy Galaxy Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
Usx Usx Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
Everence Mennonite Financial Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
Patriot Patriot Branch Restrictions	0.40%	$100,000	-	Learn More Add Review
Xceed Financial Restrictions	0.40%	$10,000	-	Learn More Add Review
Cacl Cacl Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
Hidden River Hidden River Branch Restrictions	0.40%	$100,000	-	Learn More Add Review
North Penn North Penn Branch	0.40%	$10,000	-	Learn More Add Review
Superior Credit Union Superior Credit Unio Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
Viriva Community Viriva Community Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
Affiliated Trades Local 380 I.b.e.w. Branch	0.40%	$10,000	-	Learn More Add Review
Ukrainian Selfreliance Ukrainian Selfrelian Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
Grove City Area Grove City Area Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
West Branch Valley West Branch Valley Restrictions	0.35%	$10,000	-	Learn More Add Review
Ussco Johnstown Ussco Johnstown Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Belco Community Credit Union Belco Community Cred Branch Restrictions	0.35%	$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)
Pennsylvania Central Pennsylvania Central Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Lanco Lanco Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Hidden River Hidden River Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Gold Pp&l G.o.l.d. Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Forge P S T C Employees Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Fedchoice Fedchoice Branch Restrictions	0.35%	$100,000	-	Learn More Add Review
Advantage Financial Dva Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Lebanon Lebanon Branch Restrictions	0.30%	$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)
Hershey Hershey Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Penn East Penn East Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Service 1st Service 1st Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Members Choice Financial Mount Carmel Branch Restrictions	0.30%	$100,000	-	Learn More Add Review
New Cumberland New Cumberland Branch	0.30%	$10,000	-	Learn More Add Review
Americhoice Americhoice Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Patriot Patriot Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
First Capital First Capital Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Heritage Valley Kings Mill Road Office Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Franklin Mint Taylor Hospital Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Norristown Bell Norristown Bell Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Lehigh Valley Educators Lehigh Valley Educat Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Upper Darby Belltelco Upper Darby Belltelc Branch	0.30%	$10,000	-	Learn More Add Review
Fedchoice Fedchoice Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Reliance Reliance Branch Restrictions	0.27%	$10,000	-	Learn More Add Review
Clarion Clarion Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
Ufcw Community Ufcw Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
Net Net Branch Restrictions	0.25%	$100,000	-	Learn More Add Review
Spe Spe Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
People First People First Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
Chrome Washington Community Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
Merho Merho Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
Sun Sun Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
Benchmark Benchmark Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
Access N.b.a. Branch	0.25%	$10,000	-	Learn More Add Review
Inspire Bucks First Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
Greenstate Restrictions	0.20%	$500	-	Learn More
Slynyrd \| Nov 11, 2022 It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More Reviews (2)
Members Choice Financial Mount Carmel Branch Restrictions	0.20%	$10,000	-	Learn More Add Review
Clearview Hopewell Branch Restrictions	0.20%	$10,000	-	Learn More Add Review
Allegent Community Allegent Community Branch Restrictions	0.20%	$10,000	-	Learn More Add Review
Armstrong Associates Armstrong Associates Branch Restrictions	0.20%	$10,000	-	Learn More Add Review
Healthcare First Credit Union Healthcare First Cre Branch Restrictions	0.20%	$10,000	-	Learn More Add Review
First Commonwealth First Commonwealth Branch Restrictions	0.20%	$10,000	-	Learn More Add Review
Delco Postal Delco Postal Branch	0.20%	$10,000	-	Learn More Add Review
Net Net Branch Restrictions	0.15%	$10,000	-	Learn More Add Review
White Rose White Rose Branch Restrictions	0.15%	$10,000	-	Learn More Add Review
General Electric Employees General Electric Emp Branch Restrictions	0.15%	$10,000	-	Learn More Add Review
Ardent Sb1 Branch Restrictions	0.15%	$10,000	-	Learn More Add Review
Irco Community Easton Office Branch Restrictions	0.10%	$10,000	-	Learn More Add Review
Penn State Penn State Branch Restrictions	0.05%	$10,000	-	Learn More Add Review
Edu Restrictions	0.01%	$500	-	Learn More Add Review
Cross Valley Mountaintop Branch Restrictions	0.01%	$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 10007

Branch	Street	City	State
DISCOVERY Discovery Discovery Branch	2744 Century Blvd	Wyomissing	PA
SUN EAST Upper Darby Branch Upper Darby Branch	1560 Garrett Rd	Upper Darby	PA
SUN EAST Upper Darby Branch Upper Darby Branch	1560 Garrett Rd	Upper Darby	PA
CORNING Greencastle Branch Greencastle Branch	11677 Molly Pitcher Hwy	Greencastle	PA
CITADEL Citadel Corporate Headquarters Citadel Corporate Headquarters Branch	520 Eagleview Blvd	Exton	PA
TRUMARK FINANCIAL Upper Darby Upper Darby Branch	1884 S State Rd	Upper Darby	PA
VISIONS Visions Visions Branch	2121 North Elmira Street	Sayre	PA
AMERICAN HERITAGE Horsham - Maple Horsham - Maple Branch	339 Maple Ave	Horsham	PA
CITADEL Citadel Corporate Headquarters Citadel Corporate Headquarters Branch	520 Eagleview Blvd	Exton	PA
TRUMARK FINANCIAL Upper Darby Upper Darby Branch	1884 S State Rd	Upper Darby	PA
CORNING Greencastle Branch Greencastle Branch	11677 Molly Pitcher Hwy	Greencastle	PA
PENNSYLVANIA STATE EMPLOYEES Pennsylvania State E Pennsylvania State E Branch	1 Credit Union Place	Harrisburg	PA
SPIRIT FINANCIAL Fairless Fairless Branch	1900 S. Pennsylvania Avenue	Morrisville	PA
GENISYS Genisys Genisys Branch	1510 Dekalb Pike, Ste A9	Blue Bell	PA
GENISYS Genisys Genisys Branch	1510 Dekalb Pike, Ste A9	Blue Bell	PA
CORPORATE AMERICA FAMILY Corporate America Fa Corporate America Fa Branch	387-1 York Ave., Colonial Plaza	Towanda	PA
CORPORATE AMERICA FAMILY Corporate America Fa Corporate America Fa Branch	387-1 York Ave., Colonial Plaza	Towanda	PA
POLICE & FIRE Police & Fire Police & Fire Branch	901 Arch Street	Philadelphia	PA
PENTAGON Wilkes-barre Wilkes-barre Branch	880 Schechter Dr	Wilkes Barre	PA
MERCK SHARP & DOHME Merck Sharp & Dohme Merck Sharp & Dohme Branch	335 W Butler Avenue	Chalfont	PA
INGERSOLL-RAND Ingersoll-rand Ingersoll-rand Branch	199 N. Main St.,	Athens	PA
MEMBERS 1ST Members 1st Members 1st Branch	5000 Louise Dr	Mechanicsburg	PA
MEMBERS 1ST Members 1st Members 1st Branch	5000 Louise Dr	Mechanicsburg	PA
BAYER HERITAGE Bayer Heritage Bayer Heritage Branch	111 RIDC Park W Dr.	Pittsburgh	PA
MEMBERS 1ST Members 1st Members 1st Branch	5000 Louise Dr	Mechanicsburg	PA
MEMBERS 1ST Members 1st Members 1st Branch	5000 Louise Dr	Mechanicsburg	PA
MEMBERS 1ST Members 1st Members 1st Branch	5000 Louise Dr	Mechanicsburg	PA
ERIE Erie Erie Branch	1959 East 36th Street	Erie	PA
MEMBERS 1ST Members 1st Members 1st Branch	5000 Louise Dr	Mechanicsburg	PA
RIVERFRONT Riverfront Riverfront Branch	430 S 4th Street	Reading	PA
PARDA Parda Parda Branch	400 W. Lincoln Ave.	Lititz	PA
EAGLE ONE Eagle One Eagle One Branch	2303 Frankford Ave	Philadelphia	PA
ERIE Erie Erie Branch	1959 East 36th Street	Erie	PA
GUTHRIE COMMUNITY Guthrie Guthrie Branch	104 N. Elmer Ave	Sayre	PA
PALCO FCU Palco Fcu Palco Fcu Branch	191 Chad Road	Muncy	PA
APCI Apci Apci Branch	7201 Hamilton Boulevard	Allentown	PA
BELLCO Bellco Bellco Branch	609 Spring Street	Wyomissing	PA
DIAMOND Headquarters Headquarters Branch	1600 Medical Dr	Pottstown	PA
TENDTO Erie Community Erie Community Branch	1129 State Street	Erie	PA
TENDTO Erie Community Erie Community Branch	1129 State Street	Erie	PA
FIRST HARVEST Truimph Baptist Truimph Baptist Branch	1648 W Hunting Park Ave # 52	Philadelphia	PA
PHILADELPHIA Philadelphia Philadelphia Branch	12800 Townsend Road	Philadelphia	PA
SRU Sru Sru Branch	235 Grove City Road	Slippery Rock	PA
USX Usx Usx Branch	1293 Freedom Rd	Cranberry Twp	PA
RIVERSET CREDIT UNION Riverset Credit Unio Riverset Credit Unio Branch	1700 Jane Street	Pittsburgh	PA
EVERENCE Mennonite Financial Mennonite Financial Branch	2160 Lincoln Hwy E	Lancaster	PA
DIAMOND Headquarters Headquarters Branch	1600 Medical Dr	Pottstown	PA
UKRAINIAN SELFRELIANCE Ukrainian Selfrelian Ukrainian Selfrelian Branch	1729 Cottman Avenue	Philadelphia	PA
FIRST HERITAGE First Heritage First Heritage Branch	17 East Avenue	Wellsboro	PA
WEST BRANCH VALLEY West Branch Valley West Branch Valley	1640 High Street	Williamsport	PA
CHOICE ONE COMMUNITY Choice One Community Choice One Community Branch	101 Hazle Street	Wilkes Barre	PA
CENTURY HERITAGE Century Heritage Century Heritage Branch	700 Regis Ave	Pittsburgh	PA
NEW CUMBERLAND New Cumberland New Cumberland Branch	345 Lewisberry Road	New Cumberland	PA
BELCO COMMUNITY CREDIT UNION Belco Community Cred Belco Community Cred Branch	449 Eisenhower Blvd	Harrisburg	PA
FREEDOM Freedom Freedom Branch	626 Jacksonville Road, Suite 250	Warminster	PA
WIDGET Erie General Electri Erie General Electri Branch	2154 East Lake Road	Erie	PA
PENN EAST Penn East Penn East Branch	441 N. 7th Ave	Scranton	PA
GALAXY Galaxy Galaxy Branch	1313 Liberty Street	Franklin	PA
USX Usx Usx Branch	1293 Freedom Rd	Cranberry Twp	PA
EVERENCE Mennonite Financial Mennonite Financial Branch	2160 Lincoln Hwy E	Lancaster	PA
PATRIOT Patriot Patriot Branch	800 Wayne Ave.	Chambersburg	PA
CACL Cacl Cacl Branch	1800 W MARKET ST	POTTSVILLE	PA
HIDDEN RIVER Hidden River Hidden River Branch	60 Westwood Road	Pottsville	PA
NORTH PENN North Penn North Penn Branch	123 N. Bethlehem Pike	Colmar	PA
SUPERIOR CREDIT UNION Superior Credit Unio Superior Credit Unio Branch	1 Crosskeys Rd	Collegeville	PA
VIRIVA COMMUNITY Viriva Community Viriva Community Branch	157 YORK ROAD	Warminster	PA
AFFILIATED TRADES Local 380 I.b.e.w. Local 380 I.b.e.w. Branch	3900 RIDGE PIKE	COLLEGEVILLE	PA
UKRAINIAN SELFRELIANCE Ukrainian Selfrelian Ukrainian Selfrelian Branch	1729 Cottman Avenue	Philadelphia	PA
GROVE CITY AREA Grove City Area Grove City Area Branch	1 CREDIT UNION WAY	GROVE CITY	PA
WEST BRANCH VALLEY West Branch Valley West Branch Valley	1640 High Street	Williamsport	PA
USSCO JOHNSTOWN Ussco Johnstown Ussco Johnstown Branch	532 OAKRIDGE DRIVE	JOHNSTOWN	PA
BELCO COMMUNITY CREDIT UNION Belco Community Cred Belco Community Cred Branch	449 Eisenhower Blvd	Harrisburg	PA
PENNSYLVANIA CENTRAL Pennsylvania Central Pennsylvania Central Branch	959 East Park Drive	Harrisburg	PA
LANCO Lanco Lanco Branch	349 W Roseville Rd	Lancaster	PA
HIDDEN RIVER Hidden River Hidden River Branch	60 Westwood Road	Pottsville	PA
GOLD Pp&l G.o.l.d. Pp&l G.o.l.d. Branch	4703 Hamilton Blvd	Allentown	PA
FORGE P S T C Employees P S T C Employees Branch	1402 Bywood Ave	Upper Darby	PA
FEDCHOICE Fedchoice Fedchoice Branch	11601 Roosevelt Blvd, DP 9909, Room 124	Philadelphia	PA
ADVANTAGE FINANCIAL Dva Dva Branch	5000 WISSAHICKON AVE	PHILADELPHIA	PA
LEBANON Lebanon Lebanon Branch	300 Schneider Drive	Lebanon	PA
HERSHEY Hershey Hershey Branch	232 Hershey Rd	Hummelstown	PA
PENN EAST Penn East Penn East Branch	441 N. 7th Ave	Scranton	PA
SERVICE 1ST Service 1st Service 1st Branch	1207 Bloom Street	Danville	PA
MEMBERS CHOICE FINANCIAL Mount Carmel Mount Carmel Branch	11218 State Route 61	Mount Carmel	PA
NEW CUMBERLAND New Cumberland New Cumberland Branch	345 Lewisberry Road	New Cumberland	PA
AMERICHOICE Americhoice Americhoice Branch	2175 Bumble Bee Hollow Road	Mechanicsburg	PA
PATRIOT Patriot Patriot Branch	800 Wayne Ave.	Chambersburg	PA
FIRST CAPITAL First Capital First Capital Branch	1601 Kenneth Road	York	PA
HERITAGE VALLEY Kings Mill Road Office Kings Mill Road Office Branch	777 Kings Mill Rd	York	PA
FRANKLIN MINT Taylor Hospital Taylor Hospital Branch	175 E Chester Pike	Ridley Park	PA
3HILL Norristown Bell Norristown Bell Branch	1407 Erbs Mill Road	Blue Bell	PA
LEHIGH VALLEY EDUCATORS Lehigh Valley Educat Lehigh Valley Educat Branch	3720 Hamilton Blvd	Allentown	PA
UPPER DARBY BELLTELCO Upper Darby Belltelc Upper Darby Belltelc Branch	1410 Bywood Avenue	Upper Darby	PA
FEDCHOICE Fedchoice Fedchoice Branch	11601 Roosevelt Blvd, DP 9909, Room 124	Philadelphia	PA
RELIANCE Reliance Reliance Branch	20102 Valley Forge Circle	King of Prussia	PA
TOP TIER Clarion Clarion Branch	1062 EAST WOOD STREET	CLARION	PA
UFCW COMMUNITY Ufcw Ufcw Branch	377 Wyoming Ave	Wyoming	PA
NET Net Net Branch	920 OAK STREET	SCRANTON	PA
ARIZE Spe Spe Branch	650 North Science Park Road	State College	PA
PEOPLE FIRST People First People First Branch	2141 Downyflake Lane	Allentown	PA
CHROME Washington Community Washington Community Branch	45 Griffith Ave	Washington	PA
MERHO Merho Merho Branch	15 Irene Street	Johnstown	PA
SUN Sun Sun Branch	Mellon Building Concourse Level, 1735 Market St.,	Philadelphia	PA
BENCHMARK Benchmark Benchmark Branch	1522 McDaniel Dr	West Chester	PA
ACCESS N.b.a. N.b.a. Branch	23 Commerce Circle	Bristol	PA
INSPIRE Bucks First Bucks First Branch	2104 Bath Road	Bristol	PA
MEMBERS CHOICE FINANCIAL Mount Carmel Mount Carmel Branch	11218 State Route 61	Mount Carmel	PA
CLEARVIEW Hopewell Hopewell Branch	2646 Brodhead Rd	Aliquippa	PA
ALLEGENT COMMUNITY Allegent Community Allegent Community Branch	1001 Liberty Ave, Suite 100	Pittsburgh	PA
ARMSTRONG ASSOCIATES Armstrong Associates Armstrong Associates Branch	414 Ford Street	Ford City	PA
HEALTHCARE FIRST CREDIT UNION Healthcare First Cre Healthcare First Cre Branch	1152 franklin st	johnstown	PA
FIRST COMMONWEALTH First Commonwealth First Commonwealth Branch	257 Brodhead Road	Bethlehem	PA
DELCO POSTAL Delco Postal Delco Postal Branch	1400 Bywood Ave	upper Darby	PA
NET Net Net Branch	920 OAK STREET	SCRANTON	PA
WHITE ROSE White Rose White Rose Branch	3494 Industrial Drive	York	PA
GENERAL ELECTRIC EMPLOYEES General Electric Emp General Electric Emp Branch	100 Campus Drive	Newtown	PA
ARDENT Sb1 Sb1 Branch	200 N 16th St	Phila	PA
IRCO COMMUNITY Easton Office Easton Office Branch	2240 Northampton St	Easton	PA
PENN STATE Penn State Penn State Branch	123 Amberleigh Ln	Bellefonte	PA
CROSS VALLEY Mountaintop Mountaintop Branch	113 S Main St	Mountain Top	PA

See rates for Online Banks →

See rates for Local Banks →

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.

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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)?

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