Pennsylvania

Image Courtesy: pixabay.com

Credit Union CD Rates Pennsylvania

You are viewing rates from credit unions across Pennsylvania

 

Below are the best one year CD Rates from credit unions in Pennsylvania. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts.

PA - December 11, 2024

1 Year CD National Average : 0.55% ?

Credit Unions APY MIN MILES ?

Rate History: 4.75% → 5.00% → 5.15%

Rate History: 5.00% → 4.75% → 5.00% → 4.75%

| Dec 22, 2020

Where is the 4.00/% rate? It doesn’t seem to exist? Read More

Rate History: 5.00% → 4.75%

Rate History: 4.60% → 4.35% → 4.60%

| 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

| Jun 12, 2017

five star......great location...fast service Read More

Rate History: 4.40% → 4.30%

Rate History: 4.90% → 4.85% → 4.55% → 4.40% → 4.25%

Rate History: 4.10% → 4.25%

Rate History: 5.10% → 4.85% → 4.75% → 4.35% → 4.15%

| Feb 25, 2023

HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More

Rate History: 5.81% → 5.55% → 5.02% → 4.76% → 4.08%

Rate History: 5.00% → 4.75% → 4.40% → 4.10% → 4.00%

Rate History: 4.85% → 4.00%

Rate History: 5.25% → 4.50% → 4.00% → 3.80% → 3.65%

| Nov 20, 2024

Your Lost Bitcoins Are Not Gone Forever! Enquire From iBolt Cyber Hacker iBolt Cyber Hacker is a cybersecurity service that specializes in Bitcoin and cryptocurrency recovery. Even if your Bitcoin is lo... Read More

Rate History: 3.96% → 3.93% → 3.64%

Rate History: 3.51% → 3.56%

Rate History: 3.75% → 4.00% → 3.25%

| 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

Ingersoll-rand
Restrictions

2.73%

$1,000

-

Learn More

| May 12, 2016

19 what, years or months Read More

1.00%

$10,000

-

Learn More
Ardent
Restrictions

1.00%

$10,000

-

Learn More

1.00%

$10,000

-

Learn More
Riverfront
Restrictions

0.90%

$10,000

-

Learn More

| Sep 1, 2021

Tom garrett Read More

0.85%

$100,000

-

Learn More
Apci
Restrictions

0.85%

$10,000

-

Learn More
Guthrie
Restrictions

0.80%

$10,000

-

Learn More
Philadelphia
Restrictions

0.80%

$10,000

-

Learn More
Benchmark
Restrictions

0.80%

$10,000

-

Learn More

0.80%

$100,000

-

Learn More
Eagle One
Restrictions

0.75%

$10,000

-

Learn More
Freedom
Restrictions

0.75%

$500

-

Learn More

0.75%

$10,000

-

Learn More
Tendto
Restrictions

0.72%

$100,000

-

Learn More
Palco Fcu
Restrictions

0.70%

$10,000

-

Learn More
Frick Tri-county
Restrictions

0.70%

$10,000

-

Learn More

0.70%

$100,000

-

Learn More
Bellco
Restrictions

0.70%

$10,000

-

Learn More
Tri County Area
Restrictions

0.70%

$100,000

-

Learn More

0.70%

$10,000

-

Learn More
Tendto
Restrictions

0.67%

$10,000

-

Learn More
Century Heritage
Restrictions

0.65%

$100,000

-

Learn More

| Sep 1, 2021

Tom garrett Read More

First Heritage
Restrictions

0.65%

$100,000

-

Learn More

0.65%

$100,000

-

Learn More
Sru
Restrictions

0.65%

$10,000

-

Learn More

| 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

Patriot
Restrictions

0.65%

$100,000

-

Learn More
Fedchoice
Restrictions

0.65%

$100,000

-

Learn More
First Heritage
Restrictions

0.60%

$10,000

-

Learn More
South Jersey
Restrictions

0.60%

$10,000

-

Learn More
Usx
Restrictions

0.60%

$100,000

-

Learn More
Everence
Restrictions

0.60%

$100,000

-

Learn More
Xceed Financial
Restrictions

0.60%

$10,000

-

Learn More
Cacl
Restrictions

0.60%

$10,000

-

Learn More
Diamond
Restrictions

0.60%

$100,000

-

Learn More
Tri County Area
Restrictions

0.60%

$10,000

-

Learn More
Viriva Community
Restrictions

0.60%

$10,000

-

Learn More

0.60%

$10,000

-

Learn More
Fedchoice
Restrictions

0.60%

$10,000

-

Learn More

0.55%

$10,000

-

Learn More

0.55%

$10,000

-

Learn More
Penn East
Restrictions

0.55%

$10,000

-

Learn More

0.55%

$10,000

-

Learn More

0.55%

$10,000

-

Learn More

0.55%

$100,000

-

Learn More
Century Heritage
Restrictions

0.55%

$500

-

Learn More
Americhoice
Restrictions

0.55%

$10,000

-

Learn More

| 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

Patriot
Restrictions

0.55%

$10,000

-

Learn More

0.55%

$10,000

-

Learn More
First Capital
Restrictions

0.55%

$10,000

-

Learn More
Heritage Valley
Restrictions

0.55%

$10,000

-

Learn More

| 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

Hidden River
Restrictions

0.55%

$100,000

-

Learn More
Diamond
Restrictions

0.55%

$10,000

-

Learn More

0.55%

$10,000

-

Learn More
Norristown Bell
Restrictions

0.53%

$10,000

-

Learn More

| 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

0.50%

$10,000

-

Learn More
Hershey
Restrictions

0.50%

$10,000

-

Learn More
Widget
Restrictions

0.50%

$10,000

-

Learn More
Horizon
Restrictions

0.50%

$10,000

-

Learn More

0.50%

$100,000

-

Learn More
Usx
Restrictions

0.50%

$10,000

-

Learn More

0.50%

$10,000

-

Learn More
Ussco Johnstown
Restrictions

0.50%

$10,000

-

Learn More
Merho
Restrictions

0.50%

$10,000

-

Learn More
The United
Restrictions

0.50%

$10,000

-

Learn More
Everence
Restrictions

0.50%

$10,000

-

Learn More

| 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

Lanco
Restrictions

0.50%

$10,000

-

Learn More
Hidden River
Restrictions

0.50%

$10,000

-

Learn More
Franklin Mint
Restrictions

0.50%

$10,000

-

Learn More

0.50%

$10,000

-

Learn More

0.50%

$10,000

-

Learn More
Sun
Restrictions

0.45%

$10,000

-

Learn More

0.45%

$10,000

-

Learn More
Gold
Restrictions

0.45%

$10,000

-

Learn More
Grove City Area
Restrictions

0.40%

$10,000

-

Learn More
Galaxy
Restrictions

0.40%

$10,000

-

Learn More
Service 1st
Restrictions

0.40%

$10,000

-

Learn More

0.40%

$10,000

-

Learn More
Clearview
Restrictions

0.40%

$10,000

-

Learn More

0.40%

$10,000

-

Learn More

0.40%

$10,000

-

Learn More

0.40%

$10,000

-

Learn More
Ufcw Community
Restrictions

0.35%

$10,000

-

Learn More
Spe
Restrictions

0.35%

$10,000

-

Learn More
Chrome
Restrictions

0.35%

$10,000

-

Learn More
Inspire
Restrictions

0.35%

$10,000

-

Learn More

0.30%

$10,000

-

Learn More

| 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

Clarion
Restrictions

0.30%

$10,000

-

Learn More

0.30%

$10,000

-

Learn More

0.30%

$10,000

-

Learn More
People First
Restrictions

0.30%

$10,000

-

Learn More

0.30%

$10,000

-

Learn More
Reliance
Restrictions

0.29%

$10,000

-

Learn More
Net
Restrictions

0.25%

$100,000

-

Learn More

0.25%

$10,000

-

Learn More
Irco Community
Restrictions

0.20%

$10,000

-

Learn More
White Rose
Restrictions

0.20%

$10,000

-

Learn More
Net
Restrictions

0.15%

$10,000

-

Learn More
Edu
Restrictions

0.10%

$500

-

Learn More
Penn State
Restrictions

0.10%

$10,000

-

Learn More
Cross Valley
Restrictions

0.01%

$10,000

-

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

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

PRODUCT INFORMATION

Credit Union One-Year Certificates of Deposit 2024

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 (in the case of 1-year CDs, the period is obviously 1-year), 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, and many that do maintain the right to deny it in their terms and conditions. It therefore is important to fully understand the terms of any time-based deposit that you enter with a credit union.

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 1-year 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 time deposit is 3 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 next 12 months (or the period of your time deposit or CD). The premium in a one-year CD is very small, however, 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

Find out how much extra money you can earn by moving your bank money into an account that pays more.

Use or Change these Amounts And Rates