Best 3-Year CD Rates in Pennsylvania, PA

You are viewing rates from banks across Pennsylvania

Below are three-year CD Rates from banks in Pennsylvania. Three-years is an intermediate term for CDs and as the term increases the yield will generally go up as well. Three year CDs are a popular component of many CD ladders and usually offer a good tradeoff between yield and how long you must keep the money locked in.

PA - November 18, 2024

3 Year CD National Average : 0.75% ^?

Banks	APY	MIN	MILES ^?
Mid Penn Bank	4.15%	$500	-	Learn More Add Review
Customers Bank	4.10%	$500	-	Learn More
Rate History: 4.00% → 4.10%
James A. Elder \| Mar 25, 2020 I was told on the phone by a bank rep that my present money market acct interest rate would continue at 2.25% until June 30, 2020 and would be FDIC covered up to $250,000. Please verify if this is true???... Read More Reviews (3)
Quaint Oak Bank	4.00%	$500	-	Learn More Add Review
Rate History: 4.25% → 4.00%
Bank of Whittier, National Association	3.98%	$1,000	-	Learn More Add Review
Beal Bank USA	3.85%	$1,000	-	Learn More
Rate History: 4.00% → 3.90% → 3.85%
george \| Feb 9, 2021 The wonderful assistants at Beal Bank are wonderful. Rebeca took great care of me and made sure all my concerns were addressed. Read More Reviews (3)
Beal Bank	3.85%	$1,000	-	Learn More Add Review
Rate History: 4.00% → 3.90% → 3.85%
First Resource Bank	3.75%	$500	-	Learn More Add Review
Capital One, National Association	3.60%	$0	-	Learn More
Rate History: 4.10% → 4.00% → 3.75% → 3.60%
highstream \| Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More Reviews (14)
Ivy Bank, a division of Cambridge Savings Bank	3.60%	$0	-	Learn More Add Review
Rate History: 3.25% → 3.60%
lrcbob \| Jul 26, 2024 Multiple roadblocks trying to set up a savings account with Ivy Bank and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and c... Read More
S&T Bank	3.25%	$500	-	Learn More
Haja@gmail.com \| May 15, 2020 Sucks don’t ever get with this bank Read More Reviews (1)
Gateway First Bank	3.10%	$500	-	Learn More
JohnC \| Oct 11, 2020 You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More Reviews (3)
Citizens	3.10%	$5,000	-	Learn More
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Blue Foundry Bank	3.00%	$1,000	-	Learn More Add Review
Tompkins Community Bank	2.90% 1.00%	$1,000 $1,001	-	Learn More Add Review
Rate History: 1.00% → 2.90%
USAA Federal Savings Bank	2.55%	$1,000	-	Learn More
Rate History: 2.75% → 2.55%
RYAN S \| Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More Reviews (2)
Banesco USA	2.50%	$1,000	-	Learn More
Rate History: 4.30% → 0.55% → 5.10% → 0.55% → 2.50%
Dkplan \| Dec 27, 2022 They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More Reviews (8)
The Farmers National Bank of Canfield	2.50%	$500	-	Learn More Add Review
Rate History: 0.25% → 2.50%
Citibank, National Association	2.00%	$0	-	Learn More
Azoic \| Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More Reviews (11)
JPMorgan Chase Bank, National Association	2.00%	$10,000	-	Learn More
Rate History: 3.00% → 2.50% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
United Bank	1.85%	$500	-	Learn More
Jimleestro \| Apr 12, 2019 United Bank in Front Royal does not know how to set up an inherited IRA. It took over two months to transfer it from Merrill Edge. Several mistakes were made. And then they did not title it correctly. T... Read More Reviews (1)
SSB Bank	1.76%	$500	-	Learn More Add Review
Rate History: 1.81% → 1.76%
Hyperion Bank	1.75%	$500	-	Learn More Add Review
Hingham Institution for Savings	1.70%	$1,000	-	Learn More Add Review
City National Bank	1.66%	$10,000	-	Learn More Add Review
Rate History: 2.02% → 1.66%
Woodforest National Bank	1.40%	$500	-	Learn More
Rate History: 1.00% → 1.40%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
Hatboro Federal Savings, FA	1.25%	$1,000	-	Learn More Add Review
Hometown Bank of Pennsylvania	1.11%	$10,000	-	Learn More Add Review
The Northumberland National Bank	1.10%	$100,000	-	Learn More Add Review
Second Federal Savings and Loan Association of Philadelphia	1.10%	$10,000	-	Learn More Add Review
Fulton Bank, National Association	1.01%	$1,000	-	Learn More Add Review
Coatesville Savings Bank	1.01%	$10,000	-	Learn More Add Review
William Penn Bank	1.01%	$10,000	-	Learn More Add Review
Reliance Savings Bank	1.00%	$10,000	-	Learn More Add Review
PennCrest Bank	1.00%	$10,000	-	Learn More Add Review
The Turbotville National Bank	1.00%	$10,000	-	Learn More
Annonomous \| May 30, 2021 U would think after a person is a customer for a great many years they would help them in the case of fraud nope they close everything down on you and don't tell you way to go that's real customer service ... Read More Reviews (1)
The Northumberland National Bank	1.00%	$10,000	-	Learn More Add Review
Somerset Trust Company	1.00%	$10,000	-	Learn More Add Review
First Federal Savings and Loan Association of Greene Co	1.00%	$10,000	-	Learn More Add Review
The National Bank of Malvern	1.00%	$10,000	-	Learn More Add Review
The Victory Bank	1.00%	$10,000	-	Learn More Add Review
William Penn Bank	1.00%	$10,000	-	Learn More Add Review
Port Richmond Savings	1.00%	$500	-	Learn More Add Review
TD Bank, National Association	1.00%	$10,000	-	Learn More
Rate History: 3.51% → 1.00% → 3.51% → 1.00%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
Susquehanna Community Bank	0.90%	$500	-	Learn More
Seth B Glover \| Aug 10, 2019 I did not appreciate getting pulled into the 2.53% offer on $100k only to have the rate lowered by the time I finally got the money in. Read More Reviews (1)
Mifflinburg Bank and Trust Company	0.85%	$5,000	-	Learn More Add Review
Bank of Commerce and Trust Company	0.85%	$1,000	-	Learn More Add Review
The Dime Bank	0.85%	$100,000	-	Learn More Add Review
Ameriserv Financial Bank	0.85%	$10,000	-	Learn More Add Review
Milton Savings Bank	0.85%	$10,000	-	Learn More Add Review
First Bank	0.85%	$10,000	-	Learn More
SAM \| May 24, 2021 Rate is not valid BCC needs to improve on this. Its difficult enough savers are being penalized by the FED Read More Reviews (2)
The Dime Bank	0.80%	$10,000	-	Learn More Add Review
Unity Bank	0.80%	$10,000	-	Learn More
CF \| Jul 11, 2020 A great bank. Rates are competitive and they have outstanding customer service. Read More Reviews (2)
Phoenixville Federal Bank and Trust	0.80%	$500	-	Learn More Add Review
Sharon Bank	0.80%	$10,000	-	Learn More Add Review
Iron Workers Savings Bank	0.80%	$10,000	-	Learn More Add Review
United Savings Bank	0.80%	$10,000	-	Learn More Add Review
Slovenian Savings and Loan Association of Franklin-Conemaugh	0.75%	$100,000	-	Learn More Add Review
Wilmington Savings Fund Society, FSB	0.75%	$2,500	-	Learn More
Rate History: 1.00% → 0.75%
schoolbus2017 \| Nov 8, 2019 farmer Read More Reviews (1)
Peoples Security Bank and Trust Company	0.75%	$1,000	-	Learn More Add Review
Rate History: 0.35% → 0.75%
Woodlands Bank	0.75%	$10,000	-	Learn More Add Review
Elderton State Bank	0.75%	$100,000	-	Learn More Add Review
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania	0.75%	$10,000	-	Learn More Add Review
Provident Bank	0.75%	$10,000	-	Learn More
Abraham Farber \| May 14, 2015 looking to refinance into a fixed equity 15 yr loan, I have now a 1st Mortg & equity line total of about 218000. looking to get about 360 & pay off the old ones & have extra, I have a 4 unit house were we ... Read More Reviews (1)
Harleysville Bank	0.75%	$10,000	-	Learn More
Keith Wright \| Aug 23, 2016 Great dividend, moderate growth, excellent customer service. Potential acquisition target Read More Reviews (1)
Ambler Savings Bank	0.75%	$10,000	-	Learn More
mmcglade89 \| Aug 11, 2021 I had been using Ambler Savings for as long as I can remember and never had any issues with them until around 2019. My card and account were constantly being frozen and I had to call to have it unfrozen. W... Read More Reviews (1)
1st Summit Bank	0.71%	$10,000	-	Learn More
Rriordan75 \| Jan 18, 2020 I and my colleagues have all had trouble with our travelers debit prepaid cards. Right now I'm in the middle of trying to get ahold of a customer representative because the card shows that there's money on... Read More Reviews (1)
First Citizens Community Bank	0.70%	$100,000	-	Learn More Add Review
First United National Bank	0.70%	$500	-	Learn More Add Review
First Columbia Bank & Trust Co.	0.70%	$10,000	-	Learn More Add Review
Investment Savings Bank	0.70%	$10,000	-	Learn More Add Review
Embassy Bank for the Lehigh Valley	0.70%	$10,000	-	Learn More
Carly \| Jul 14, 2018 Excellent customer service Read More Reviews (1)
York Traditions Bank	0.70%	$10,000	-	Learn More Add Review
Asian Bank	0.70%	$10,000	-	Learn More Add Review
Fleetwood Bank	0.65%	$500	-	Learn More Add Review
Mercer County State Bank	0.65%	$100,000	-	Learn More Add Review
Citizens & Northern Bank	0.65%	$100,000	-	Learn More Add Review
NBT Bank, National Association	0.65%	$10,000	-	Learn More Add Review
First Keystone Community Bank	0.65%	$100,000	-	Learn More Add Review
First Northern Bank and Trust Company	0.65%	$10,000	-	Learn More Add Review
CFSBANK	0.65%	$10,000	-	Learn More
Regular guy \| Mar 24, 2023 I have never been treated so poorly in all the banks ive been in i went there to ask about buying change the girl acted like she never heard of rolled coins before and really made me feel as though i shou... Read More Reviews (1)
Elderton State Bank	0.65%	$10,000	-	Learn More Add Review
Community State Bank of Orbisonia	0.65%	$500	-	Learn More Add Review
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania	0.65%	$100,000	-	Learn More Add Review
Kish Bank	0.64%	$10,000	-	Learn More
smalltowngirl \| Mar 9, 2018 I have a local contracting business and have been in business for over 20 years. When I started my business I did all of my banking personal and business with Kish and recommended that my customers go thro... Read More Reviews (1)
Slovenian Savings and Loan Association of Franklin-Conemaugh	0.63%	$10,000	-	Learn More Add Review
CNB Bank	0.61%	$10,000	-	Learn More Add Review
First National Bank of Pennsylvania	0.60%	$10,000	-	Learn More
Mark \| Apr 21, 2020 Your information is very inaccurate. Interest rates are a fraction of 1%. Call the bank yourself. Read More Reviews (1)
Mercer County State Bank	0.60%	$10,000	-	Learn More Add Review
The Honesdale National Bank	0.60%	$10,000	-	Learn More Add Review
Marion Center Bank	0.60%	$10,000	-	Learn More Add Review
InFirst Bank	0.60%	$10,000	-	Learn More Add Review
First Keystone Community Bank	0.60%	$10,000	-	Learn More Add Review
Wayne Bank	0.60%	$10,000	-	Learn More
MoonShadows Farm \| Jan 26, 2024 I have been with Wayne Bank for almost 3 years after moving all of my accounts from Hells Fargo. Since then, I have had so many problems with depositing checks with my iPhone. (phone upgraded twice sinc... Read More Reviews (1)
Citizens Savings Bank	0.60%	$10,000	-	Learn More Add Review
The Gratz Bank	0.60%	$10,000	-	Learn More Add Review
Enterprise Bank	0.60%	$10,000	-	Learn More Add Review
Meridian Bank	0.60%	$10,000	-	Learn More Add Review
The Neffs National Bank	0.60%	$10,000	-	Learn More Add Review
American Bank	0.60%	$10,000	-	Learn More Add Review
The Juniata Valley Bank	0.55%	$10,000	-	Learn More
Jeffery Bailey \| Apr 4, 2016 It is sad to see FNBPA being taken over by Juniata. The name Juniata has no affinity with Port Allegany history. I am closing my account. Read More Reviews (1)
The Fidelity Deposit and Discount Bank	0.55%	$100,000	-	Learn More Add Review
Farmers and Merchants Trust Company of Chambersburg	0.55%	$100,000	-	Learn More Add Review
MCS Bank	0.55%	$1,000	-	Learn More Add Review
Penn Community Bank	0.55%	$10,000	-	Learn More
Rk \| Feb 22, 2023 Where to begin with this ghetto bank? You make a cash deposit but you can't make a withdraw the same day. You make a deposit and it doesn't show up until the next day. You're limited to a low atm amount e... Read More Reviews (2)
QNB Bank	0.55%	$10,000	-	Learn More Add Review
First National Bank and Trust Company of Newtown	0.55%	$10,000	-	Learn More Add Review
Abacus Federal Savings Bank	0.55%	$1,000	-	Learn More Add Review
New Tripoli Bank	0.50%	$500	-	Learn More Add Review
The Huntington National Bank	0.50%	$1,000	-	Learn More
Allan \| Mar 18, 2021 I called Huntington yesterday and the branch manager told me that the rate listed on Best Cash Cow doesn't exist......... Read More Reviews (1)
Univest Bank and Trust Co.	0.50%	$500	-	Learn More Add Review
First Citizens Community Bank	0.50%	$10,000	-	Learn More Add Review
WesBanco Bank, Inc.	0.50%	$10,000	-	Learn More Add Review
Dollar Bank, Federal Savings Bank	0.50%	$10,000	-	Learn More Add Review
West View Savings Bank	0.50%	$10,000	-	Learn More Add Review
Apollo Trust Company	0.50%	$10,000	-	Learn More Add Review
Mauch Chunk Trust Company	0.50%	$10,000	-	Learn More Add Review
Brentwood Bank	0.50%	$10,000	-	Learn More Add Review
Washington Financial Bank	0.50%	$10,000	-	Learn More Add Review
Bank of Bird-in-Hand	0.50%	$10,000	-	Learn More Add Review
Berkshire Bank	0.50%	$10,000	-	Learn More
Run \| Jan 12, 2021 They put paychecks on hold for a day so don’t expect your paycheck right away and they don’t answer their phones Read More Reviews (2)
PS Bank	0.45%	$10,000	-	Learn More Add Review
Citizens & Northern Bank	0.45%	$10,000	-	Learn More Add Review
Chemung Canal Trust Company	0.45%	$10,000	-	Learn More Add Review
ESSA Bank & Trust	0.45%	$10,000	-	Learn More Add Review
Altoona First Savings Bank	0.45%	$1,000	-	Learn More Add Review
Jim Thorpe Neighborhood Bank	0.45%	$10,000	-	Learn More Add Review
Farmers and Merchants Trust Company of Chambersburg	0.45%	$10,000	-	Learn More Add Review
ACNB Bank	0.45%	$10,000	-	Learn More Add Review
United Bank of Philadelphia	0.45%	$10,000	-	Learn More Add Review
Orrstown Bank	0.40%	$10,000	-	Learn More Add Review
The Bank of Princeton	0.40%	$500	-	Learn More
Donna \| Nov 1, 2022 This local community bank “by far” exceeded my expectations of what a banking institution should be. They take the time to understand their customers needs, educatedly answer questions, and take the ti... Read More Reviews (1)
Slovenian Savings and Loan Association of Canonsburg	0.37%	$10,000	-	Learn More
Tbench3485@comcast.net \| Oct 7, 2019 64000 Read More Reviews (1)
NEXTIER BANK, NATIONAL ASSOCIATION	0.35%	$10,000	-	Learn More Add Review
Old Dominion National Bank	0.35%	$10,000	-	Learn More Add Review
Community Bank	0.35%	$10,000	-	Learn More Add Review
Jersey Shore State Bank	0.30%	$100,000	-	Learn More
Roy Miner \| Feb 24, 2019 This bank sucks I can't believe that I can't use my card on Sunday or get to my money is the owner a johvwinis that the bank can't get you your money on a Sunday or what this is bull shit I sent my wife to... Read More Reviews (1)
The Luzerne Bank	0.30%	$100,000	-	Learn More Add Review
First Commonwealth Bank	0.30%	$10,000	-	Learn More Add Review
The Ephrata National Bank	0.30%	$100,000	-	Learn More Add Review
The Andover Bank	0.25%	$1,000	-	Learn More Add Review
Northwest Bank	0.25%	$10,000	-	Learn More Add Review
First Commonwealth Bank	0.25%	$10,000	-	Learn More Add Review
The Ephrata National Bank	0.25%	$10,000	-	Learn More Add Review
OceanFirst Bank, National Association	0.20%	$500	-	Learn More Add Review
Community Bank, National Association	0.20%	$100,000	-	Learn More Add Review
Community Bank, National Association	0.15%	$10,000	-	Learn More Add Review
Commercial Bank and Trust of PA	0.15%	$10,000	-	Learn More Add Review
U.S. Bank National Association	0.10%	$500	-	Learn More
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (2)
Jersey Shore State Bank	0.10%	$10,000	-	Learn More
Roy Miner \| Feb 24, 2019 This bank sucks I can't believe that I can't use my card on Sunday or get to my money is the owner a johvwinis that the bank can't get you your money on a Sunday or what this is bull shit I sent my wife to... Read More Reviews (1)
The Luzerne Bank	0.10%	$10,000	-	Learn More Add Review
Firstrust Savings Bank	0.10%	$10,000	-	Learn More Add Review
KeyBank National Association	0.05%	$2,500	-	Learn More
Rate History: 0.02% → 0.05%
Seeko \| Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More Reviews (2)
PNC Bank, National Association	0.03%	$25,000	-	Learn More
GAM \| May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More Reviews (1)
Bank of America, National Association	0.03%	$100,000	-	Learn More
Treasure \| Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More Reviews (7)
Fifth Third Bank, National Association	0.01%	$500	-	Learn More
Juan Ricardo \| Nov 12, 2018 Helpful w/$ Read More Reviews (5)

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

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

Three Year CDs - Branch Banks 2024

A three year CD is an intermediate CD, sandwiched between the popular one and five year CD terms. Three year CD generally offer between .30 and .60 percentage points more than a 1 year CD. Currently, their average yield is comparable to the average yield of an online savings account Online savings accounts allow consumers to withdraw money at any time so consumers should consider whether they want to lock their money into a CD when there is little premium versus an online account.

The top 3 year CD rates, as listed on the rate table above, are significantly higher than online or offline savings account rates.

Another factor to consider when opening a 3 year CD is the rate environment. If interest rates are rising, it may not be advisable to lock money away for three years when rates will soon be higher. If rates are falling, and may do so for some time (as they did from 2008 through 2013), then it may make sense to open a 3, 4 or 5 year CD to lock into a higher rate before it drops. To get a sense of where rates might go, check out the BestCashCow rate analysis page.

While conventional wisdom holds that online banks always offer higher rates than branch-based banks, an analysis conducted by BestCashCow in 2012 showed that with longer term CDs (3 years or longer), small community based banks and credit unions can often be just as competitive or not more so. If you prefer to bank in person, then it is possible to get branch service and a high CD rate if you shop around a bit. The tables at the top of this page can provide you the best rates in your area.

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.

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Pennsylvania CD Rates – 3-Year

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Three Year CDs - Branch Banks 2024

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