Pennsylvania

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DuBois, Pennsylvania CD Rates

You are viewing rates from banks across DuBois

 

Below are the best one-year CD Rates from banks in DuBois, 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.

DuBois, PA - July 5, 2025

1 Year CD National Average : 0.55% ?

Banks APY MIN MILES ?

Rate History: 5.25% → 5.00% → 4.30%

Rate History: 1.70% → 3.00% → 2.75% → 2.50% → 4.25%

| Nov 17, 2020

Is notarie services available today at a woodforest on wilkinson blvd Read More

Rate History: 5.10% → 4.10%

4.06%

$1,000

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Rate History: 4.85% → 5.15% → 5.05% → 4.50% → 4.05%

| 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

Rate History: 4.85% → 5.15% → 5.05% → 4.50% → 4.05%

Rate History: 4.50% → 4.25% → 4.00%

| May 11, 2023

They made mistakes twice and would not correct them Read More

Rate History: 4.40% → 4.30% → 4.10% → 4.00% → 3.90%

| Apr 14, 2020

I call HSBC they told me they don't have 1.85 1 year CD. current CD is 0.8 / year Read More

Rate History: 3.00% → 3.50% → 4.00% → 3.55% → 3.75%

| 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

Rate History: 4.00% → 3.75% → 4.00% → 3.75%

| May 15, 2020

Sucks don’t ever get with this bank Read More

| 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

Rate History: 4.00% → 4.50% → 4.00% → 3.75% → 3.51%

| May 19, 2018

Experience Read More

Rate History: 4.55% → 4.50% → 4.40% → 3.75% → 3.50%

Rate History: 4.25% → 4.00% → 3.75% → 3.50%

| May 11, 2023

They made mistakes twice and would not correct them Read More

Rate History: 2.25% → 4.00% → 3.50%

| Nov 8, 2019

farmer Read More

Rate History: 4.50% → 4.25% → 4.00% → 4.35% → 3.50%

| Mar 20, 2016

Good solid bank. Read More

Rate History: 4.70% → 4.00% → 4.30% → 3.30% → 3.49%

| Nov 12, 2018

Helpful w/$ Read More

Rate History: 3.75% → 4.50% → 4.00% → 3.50% → 3.35%

| Aug 5, 2020

I used to go to M&T when it was still Provident Bank. M&T has been very responsive to my needs and I have been pleased with the banking experience. Read More

Rate History: 4.75% → 3.75% → 3.50% → 3.25%

Rate History: 3.75% → 4.25% → 3.75% → 3.51% → 3.25%

| 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

Rate History: 2.75% → 2.00% → 4.00% → 2.50% → 3.00%

| 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

Rate History: 2.00% → 3.50% → 3.25% → 3.00% → 2.00%

| Jan 2, 2023

Terrible customer service by investment side. Fees too high , too full of themselves Read More

| 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

Rate History: 2.00% → 1.50% → 3.25% → 2.00%

| Feb 6, 2023

after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More

Rate History: 4.85% → 4.93% → 1.76%

0.75%

$10,000

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0.75%

$10,000

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0.75%

$10,000

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0.75%

$10,000

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0.70%

$10,000

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0.70%

$10,000

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0.70%

$10,000

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0.70%

$10,000

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0.65%

$10,000

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0.60%

$500

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0.60%

$10,000

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0.60%

$10,000

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| 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

0.60%

$10,000

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0.60%

$10,000

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0.55%

$100,000

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| 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

| Apr 21, 2020

Your information is very inaccurate. Interest rates are a fraction of 1%. Call the bank yourself. Read More

0.55%

$500

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0.55%

$500

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0.55%

$1,000

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0.55%

$500

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0.50%

$100,000

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0.50%

$10,000

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0.50%

$100,000

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0.50%

$10,000

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0.50%

$10,000

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| 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

| 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

0.50%

$100,000

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0.50%

$500

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0.50%

$10,000

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| 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

0.50%

$100,000

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0.50%

$10,000

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| 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

0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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Rate History: 0.25% → 0.45%

0.45%

$10,000

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0.45%

$100,000

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0.45%

$10,000

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0.45%

$10,000

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0.45%

$100,000

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0.45%

$100,000

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0.45%

$10,000

-

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0.45%

$10,000

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0.45%

$100,000

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0.40%

$500

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0.40%

$5,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$100,000

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0.40%

$10,000

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0.40%

$10,000

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| 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

0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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| Jul 14, 2018

Excellent customer service Read More

0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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0.38%

$10,000

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0.38%

$10,000

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| 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

0.35%

$10,000

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0.35%

$10,000

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0.35%

$10,000

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0.35%

$100,000

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0.35%

$10,000

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| 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

0.30%

$10,000

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0.30%

$10,000

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0.30%

$10,000

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| 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

0.30%

$10,000

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0.30%

$10,000

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0.25%

$10,000

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0.25%

$100,000

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0.25%

$10,000

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| Jul 11, 2020

A great bank. Rates are competitive and they have outstanding customer service. Read More

| Oct 7, 2019

64000 Read More

0.25%

$10,000

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0.25%

$10,000

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0.25%

$100,000

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| 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

0.25%

$10,000

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| 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

0.25%

$10,000

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0.25%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.17%

$10,000

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0.15%

$1,000

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0.15%

$10,000

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| Aug 23, 2016

Great dividend, moderate growth, excellent customer service. Potential acquisition target Read More

| 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

| 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

0.10%

$100,000

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0.10%

$10,000

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0.10%

$10,000

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| 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

0.05%

$10,000

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| 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

0.05%

$100,000

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0.05%

$10,000

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| 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

0.03%

$10,000

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| 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

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
Quaint Oak Bank
Quaint Oak Bank Branch
501 Knowles Avenue Southampton PA
Woodforest National Bank
Edinboro Walmart Branch
108 Washington Towne Boulvard Edinboro PA
Mid Penn Bank
Tremont Branch
29 Main Street Tremont PA
Hatboro Federal Savings, FA
Hatboro Federal Savings, Fa Branch
221 South York Road Hatboro 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
Santander Bank, N.A.
Schuylkill Haven Branch
24-28 East Main Street Schuylkill Haven PA
HSBC Bank USA, National Association
Arch Street Branch
1027 Arch Street Philadelphia PA
Truist Bank
Oxford 3rd Street Branch
24 South 3rd Street Oxford PA
S&T Bank
Plum Branch
7660 Saltsburg Road Pittsburgh PA
Marquette Savings Bank
Marquette Savings Bank Branch
920 Peach Street Erie PA
TD Bank, National Association
American And Lehigh Branch
217 W Lehigh Avenue #31 Philadelphia PA
Northwest Bank
Coudersport Branch
302 North East Street Coudersport PA
Santander Bank, N.A.
Schuylkill Haven Branch
24-28 East Main Street Schuylkill Haven PA
Wilmington Savings Fund Society, FSB
541 Lawrence Road Branch
541 Lawrence Road Broomall PA
Hyperion Bank
Hyperion Bank Branch
199 West Girard Avenue Philadelphia PA
Citizens
Http:/Www.Citizensbank.com/ Branch
Direct Bank Deposit Support Po Box 535857 Pittsburgh PA
Fifth Third Bank, National Association
Cranberry Banking Center Branch
940 Shearton Drive Mars PA
Manufacturers and Traders Trust Company
Harrisburg Main Branch
213 Market Street Harrisburg PA
First Resource Bank
First Resource Bank Branch
800 N. Pottstown Pike Exton PA
Bank of America, National Association
Bangor Branch
29 South Main Street Bangor PA
Citibank, National Association
Citibank, National Association Branch
1818 Market Street, 27th Floor Philadelphia PA
JPMorgan Chase Bank, National Association
Philadelphia Branch
1650 Market Street, 47th & 52nd Floor Philadelphia PA
United Bank
Centra Bank-Smithfield Branch
69 Main Street Smithfield PA
Wells Fargo Bank, National Association
Saucon Valley Branch
659 Main Street Hellertown PA
SSB Bank
SSB Bank Branch
8700 Perry Highway Pittsburgh PA
InFirst Bank
Infirst Bank Branch
935 Philadelphia Street Indiana PA
First Federal Savings and Loan Association of Greene Co
First Federal Savings And Loan Assoc Branch
25 East High St Waynesburg PA
Presence Bank
Coatesville Savings Bank Branch
185 East Lincoln Highway Coatesville PA
The National Bank of Malvern
The National Bank Of Malvern Branch
King And Warren Streets Malvern PA
Fulton Bank, National Association
Denver Branch
335 Main Street Denver PA
Hamlin Bank and Trust Company
Eldred Branch
151 Main Street Eldred PA
PennCrest Bank
Cresson Br Branch
700 Second Street Cresson PA
The Victory Bank
The Victory Bank Branch
548 North Lewis Road Limerick PA
Second Federal Savings and Loan Association of Philadelphia
Second Federal Savings And Loan Asso Branch
1727 Chestnut Street Philadelphia PA
Reliance Savings Bank
Reliance Savings Bank Branch
1119 Twelfth Street Altoona PA
New Tripoli Bank
New Tripoli Bank Branch
Market And Madison Streets New Tripoli PA
Citizens Savings Bank
Citizens Savings Bank Branch
500 South State Street Clarks Summit PA
Hometown Bank of Pennsylvania
Hometown Bank Of Pennsylvania Branch
638 East Pitt Street Bedford PA
Susquehanna Community Bank
West Milton State Bank Branch
940 High Street West Milton PA
Sharon Bank
Sharon Savings Bank Branch
9 Chester Pike Darby PA
Iron Workers Savings Bank
Iron Workers Savings Bank Branch
3333 Concord Road Aston PA
First Citizens Community Bank
Blossburg Branch
300 Main Street Blossburg PA
Parke Bank
Spruce Street Branch
1610 Spruce Street Philadelphia PA
First National Bank of Pennsylvania
Selinsgrove Branch
2 South Market Street Selinsgrove PA
First United National Bank
First United National Bank Branch
Routes 157 And 208 Fryburg PA
Phoenixville Federal Bank and Trust
Phoenixville Federal Bank And Trust Branch
564 Nutt Road Phoenixville PA
Abacus Federal Savings Bank
Philadelphia Branch
147-151 North 10th Street Philadelphia PA
Port Richmond Savings
Port Richmond Savings Branch
2522 East Allegheny Avenue Philadelphia PA
Slovenian Savings and Loan Association of Franklin-Conemaugh
Slovenian Savings And Loan Associati Branch
361 First St Conemaugh PA
The Neffs National Bank
The Neffs National Bank Branch
5629 Pennsylvania Route 873 Neffs PA
Citizens & Northern Bank
Athens Branch
428 South Main Street Athens PA
Woodlands Bank
Woodlands Bank Branch
2450 East Third Street Williamsport PA
Investment Savings Bank
Investment Savings Bank Branch
1201 Eighth Avenue Altoona PA
Kish Bank
Kish Bank Branch
4255 East Main Street Belleville 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
Community State Bank of Orbisonia
Community State Bank Of Orbisonia Branch
761 Elliott St Orbisonia PA
Meridian Bank
Meridian Bank Branch
1776 E. Lancaster Avenue Paoli PA
Ambler Savings Bank
Ambler Savings Bank Branch
155 E Butler Ave Ambler PA
Firstrust Savings Bank
Firstrust Savings Bank Branch
15 East Ridge Pike Conshohocken PA
William Penn Bank
William Penn Bank Branch
1309 South Woodbourne Road Levittown PA
Berkshire Bank
Vantage Point Bank Branch
100 Gibraltar Road Horsham PA
County Savings Bank
County Savings Bank Branch
10 Powhattan Ave Essington PA
United Savings Bank
United Savings Bank Branch
1510 Packer Avenue Philadelphia PA
Asian Bank
Asian Bank Branch
815-837 Arch Street Philadelphia PA
Peoples Security Bank and Trust Company
Green Ridge Branch
1901 Sanderson Avenue Scranton PA
Journey Bank
First Columbia Bank & Trust Co. Branch
232 East Street Bloomsburg PA
The Dime Bank
The Dime Bank Branch
820-822 Church Street Honesdale PA
First Northern Bank and Trust Company
First Northern Bank And Trust Compan Branch
Fourth Street And Lafayette Avenue Palmerton PA
Armstrong County Building and Loan Association
Armstrong County Building And Loan A Branch
935 Fifth Avenue Ford City PA
Elderton State Bank
Elderton State Bank Branch
143 Main Street Elderton PA
Ameriserv Financial Bank
Ameriserv Financial Bank Branch
216 Franklin Street Johnstown PA
Milton Savings Bank
Milton Savings Bank Branch
80 Broadway Milton PA
Enterprise Bank
Enterprise Bank Branch
4091 Mount Royal Boulvard Allison Park PA
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania
Jonestown Bank And Trust Company, Of Jonestown, Pennsylvania Branch
2 West Market Street Jonestown PA
MCS Bank
Mcs Bank Branch
19 North Brown Street Lewistown PA
Fleetwood Bank
Fleetwood Bank Branch
Main And Franklin Streets Fleetwood PA
Mifflinburg Bank and Trust Company
Mifflinburg Bank And Trust Company Branch
250 East Chestnut Street Mifflinburg PA
Mercer County State Bank
Mercer County State Bank Branch
3279 South Main Street Sandy Lake PA
PS Bank
Ps Bank Branch
Route 6 East Wyalusing PA
NBT Bank, National Association
Carbondale Main Branch
41 North Main Street Carbondale 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
The Dime Bank
The Dime Bank Branch
820-822 Church Street Honesdale PA
West View Savings Bank
West View Savings Bank Branch
9001 Perry Highway Pittsburgh PA
CFSBANK
Cfsbank Branch
101 Mckean Avenue Charleroi PA
Ameriserv Financial Bank
Ameriserv Financial Bank Branch
216 Franklin Street Johnstown PA
The Northumberland National Bank
The Northumberland National Bank Branch
245 Front Street Northumberland PA
Mauch Chunk Trust Company
Mauch Chunk Trust Company Branch
1111 North Street Jim Thorpe PA
Embassy Bank for the Lehigh Valley
Embassy Bank For The Lehigh Valley Branch
100 Gateway Drive Bethlehem PA
Brentwood Bank
Brentwood Bank Branch
411 Mcmurray Road, Suite 200 Bethel Park PA
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania
Jonestown Bank And Trust Company, Of Jonestown, Pennsylvania Branch
2 West Market Street Jonestown PA
American Bank
American Bank Branch
4029 West Tilghman Street Allentown PA
CNB Bank
Ridgway Branch
301 Main Street Ridgway PA
Slovenian Savings and Loan Association of Franklin-Conemaugh
Slovenian Savings And Loan Associati Branch
361 First St Conemaugh PA
1st Summit Bank
1st Summit Bank Branch
125 Donald Lane Johnstown PA
Univest Bank and Trust Co.
Univest Bank And Trust Co. Branch
10 West Broad Street Souderton PA
First Keystone Community Bank
First Keystone Community Bank Branch
111 West Front Street Berwick PA
Elderton State Bank
Elderton State Bank Branch
143 Main Street Elderton PA
Somerset Trust Company
Somerset Trust Company Branch
151 West Main Street Somerset PA
Farmers and Merchants Trust Company of Chambersburg
The Fulton County Natl Bk And Tr Co Branch
100 Lincoln Way East Mcconnellsburg PA
Bank of Bird-in-Hand
Bank Of Bird-In-hand Branch
309 North Ronks Road Bird In Hand PA
The Juniata Valley Bank
The Juniata Valley Bank Branch
1 S Main St Mifflintown PA
Citizens & Northern Bank
Athens Branch
428 South Main Street Athens PA
First Citizens Community Bank
Blossburg Branch
300 Main Street Blossburg PA
Dollar Bank, Federal Savings Bank
Allentown Branch
820 Warrington Avenue Pittsburgh PA
Wayne Bank
Wayne Bank Branch
717 Main Street Honesdale PA
LINKBANK
260 Sunbury St Br Branch
260 Sunbury Street Minersville PA
Washington Financial Bank
Washington Financial Bank Branch
77 South Main Street Washington PA
ESSA Bank & Trust
Chester Pike Br Branch
8045 West Chester Pike Upper Darby PA
The Fidelity Deposit and Discount Bank
The Fidelity Deposit And Discount Ba Branch
Blakely And Drinker Streets Dunmore 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
Slovenian Savings and Loan Association of Canonsburg
Slovenian Savings And Loan Associati Branch
130 Boone Avenue Strabane PA
Farmers and Merchants Trust Company of Chambersburg
The Fulton County Natl Bk And Tr Co Branch
100 Lincoln Way East Mcconnellsburg PA
Orrstown Bank
Orrstown Bank Branch
77 East King Street Shippensburg PA
The Ephrata National Bank
The Ephrata National Bank Branch
31 East Main Street Ephrata PA
Penn Community Bank
Bristol Branch
118 Mill Street Bristol PA
QNB Bank
Qnb Bank Branch
15 North Third Street Quakertown PA
The Bank of Princeton
Morebank Branch
470 West Cheltenham Avenue Philadelphia PA
First National Bank and Trust Company of Newtown
First National Bank And Trust Compan Branch
40 South State Street Newtown PA
Tioga-Franklin Savings Bank
Tioga-Franklin Savings Bank Branch
320 East Girard Avenue Philadelphia PA
Chemung Canal Trust Company
Canton Branch
5 West Main Street Canton PA
WesBanco Bank, Inc.
Bellevue Bank Branch
683 Lincoln Avenue Pittsburgh PA
NEXTIER BANK, NATIONAL ASSOCIATION
Nextier Bk Na Branch
204 South Jackson Street Evans City PA
First Commonwealth Bank
Houtzdale Branch
709 Hannah Street Houtzdale PA
Apollo Trust Company
Apollo Trust Company Branch
201 North Warren Avenue Apollo PA
Community Bank
Community Bank Branch
100 Market Street Carmichaels PA
ACNB Bank
Arendtsville Branch
101 Main Street Arendtsville PA
The Ephrata National Bank
The Ephrata National Bank Branch
31 East Main Street Ephrata PA
United Bank of Philadelphia
United Bank Of Philadelphia Branch
30 South 15th Street, 1st Floor Philadelphia PA
Marion Center Bank
Marion Center Bank Branch
1271 Indian Springs Road Indiana PA
The Andover Bank
Old Community National Bank Of North Branch
53 East State Street Albion PA
First Commonwealth Bank
Houtzdale Branch
709 Hannah Street Houtzdale PA
Altoona First Savings Bank
Altoona First Savings Bank Branch
203 North Logan Boulevard Altoona PA
Harleysville Bank
Harleysville Savings Bank Branch
271 Main Street Harleysville PA
First Bank
Doylestown Branch Office
200 S Main Street Doylestown PA
Provident Bank
Easton Office Branch
4787 Freemansburg Avenue Easton PA
The Farmers National Bank of Canfield
Midland Branch
629 Midland Avenue Midland PA
Community Bank, National Association
Jermyn Branch
645 Washington Avenue Jermyn PA
The Fidelity Deposit and Discount Bank
The Fidelity Deposit And Discount Ba Branch
Blakely And Drinker Streets Dunmore PA
Firstrust Savings Bank
Firstrust Savings Bank Branch
15 East Ridge Pike Conshohocken PA
KeyBank National Association
Warren Branch
315 Second Avenue Warren PA
TD Bank, National Association
American And Lehigh Branch
217 W Lehigh Avenue #31 Philadelphia PA
Community Bank, National Association
Jermyn Branch
645 Washington Avenue Jermyn 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
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
PNC Bank, National Association
Bridgeville Branch
456 Washington Avenue Bridgeville PA
Fifth Third Bank, National Association
Cranberry Banking Center Branch
940 Shearton Drive Mars PA


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PRODUCT INFORMATION

Certificates of Deposit - Branch Banks 2025

A certificate of deposit (CD) is a savings product offered by a bank in which a depositor (someone who has money to put into the bank) agrees to commit a certain amount of money for a set period of time, in return for a fixed rate of interest. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

CD Terms

The time period in which money is held in a certificate of deposit is called the term. Terms can run for any period of time but in general, banks use the following terms: 3 months, 6 months, 12 months, 18 months, 24 months, 36 months, 48 months, and 60 months. Terms can either be described in months or years. The term that is right for each individual depends on their goals, the rate they which to earn, and their future plans for the money. In general, if rates are going up, savers should avoid putting the money into a long-term CD. If rates are going down, then the opposite is true, and savers should try and lock into a good rate for an extended period of time. In stable rate environments, CDs that are over 12 months in length can enable depositors to pick up a slight premium over savings accounts.

CD Risk

Almost all banks provide CDs to their consumers and they have been a mainstay of savers and retirement accounts for years. If FDIC insured, the CD represents a safe place to put money that will generate a predictable return.

Inflation is the main risk of a CD. Inflation can often run higher than the inflation adjusted return on a CD, thus eroding the value of the money stored in the CD over time. This is especially true for longer-term CDs opened in low interest rate environments.

How Interest is Paid

The method of distributing the interest earned on a CD varies by bank. Some banks pay interest monthly, other semi-annually, and others at the maturity of the CD. One advantage of a branch-based bank is that a depositor can walk into the bank and receive their interest that day in the form of a check. Online banks tend to use electronic funds transfer or check via mail.

Interest Rate

Since the financial crisis in 2008, CDs have become less popular because the yields they offer have dropped precipitously, making it difficult for retirees and savers to generate sufficient income. But investors looking for a place to stash some cash might still find CDs an attractive place for some of their savings. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.

When interest rates are falling, it is often preferable to lock in high rates for an extended period of time with a longer-term CD. When interest rates are rising, depositors should avoid committing their money for long periods of time. To see interest rate trends, visit the BestCashCow rate analysis page.

ADVANTAGES AND DISADVANTAGES

The advantages of a Certificate of Deposit from a branch bank are:

  • Funds deposited in FDIC banks and within insurance limits are protected by the full faith and credit of the United States government.
  • CDs provide a predictable, set rate of return.
  • Depositors can walk into a local branch and open the CD and fund it that day. Question and inquiries can also be handles in-person.

The disadvantages of branch-based CDs are:

  • The deposited money is committed for a certain period of time and can only be withdrawn with substantial penalties.
  • One year CDs from branch banks often pay less interest than from online banks. Please see those rates here.

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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