Best 6-Month CD Rates in Pennsylvania, PA

You are viewing rates from banks across Pennsylvania

Below are the best six-month CD Rates from banks with branches 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 - November 18, 2024

6 Month CD National Average : 0.41% ^?

Banks	APY	MIN	MILES ^?
S&T Bank	5.00%	$1,000	-	Learn More
Rate History: 4.25% → 5.00%
Haja@gmail.com \| May 15, 2020 Sucks don’t ever get with this bank Read More Reviews (1)
Quaint Oak Bank	5.00%	$500	-	Learn More Add Review
Beal Bank	4.75%	$1,000	-	Learn More Add Review
Rate History: 4.45% → 5.15% → 5.25% → 5.15% → 4.75%
Beal Bank USA	4.75%	$1,000	-	Learn More
Rate History: 4.45% → 5.15% → 5.25% → 5.15% → 4.75%
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)
My e-Banc, a division of Bradesco BAC Florida Bank	4.50%	$5,000	-	Learn More Add Review
Rate History: 5.30% → 5.40% → 5.20% → 5.05% → 4.50%
Matty H \| Sep 22, 2023 Terrible bank. Terrible service. Not equipped to service customers outside Florida. Plays games with your taxes by issuing 1090s whenever. Really shouldn't be on this list or your radar. Avoid. Read More
TD Bank, National Association	4.50% 1.00%	$10,001 $10,000	-	Learn More
Rate History: 5.00% → 4.50%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
Santander Bank, N.A.	4.50% 4.00%	$500 $501	-	Learn More
Rate History: 4.75% → 5.15% → 5.00% → 4.75% → 4.50%
Maggie \| May 11, 2023 They made mistakes twice and would not correct them Read More Reviews (6)
Banesco USA	4.50%	$1,000	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 5.10% → 5.25% → 5.20% → 5.00% → 4.50%
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)
Northwest Bank	4.50%	$500	-	Learn More Add Review
Rate History: 5.25% → 5.15% → 4.90% → 4.80% → 4.50%
Bask Bank, a division of Texas Capital Bank	4.45%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 5.10% → 5.00% → 4.80% → 4.70% → 4.45%
smithy1968 \| Apr 20, 2024 Save your tears for another day. Very frustrating. 1-star. Read More
Hingham Institution for Savings	4.30%	$1,000	-	Learn More Add Review
Rate History: 4.85% → 4.80% → 4.50% → 4.39% → 4.30%
HSBC Bank USA, National Association	4.15%	$1,000	-	Learn More
Rate History: 4.50% → 4.00% → 4.40% → 4.25% → 4.15%
john \| 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 Reviews (3)
Wilmington Savings Fund Society, FSB	4.10%	$2,500	-	Learn More
Rate History: 1.50% → 4.50% → 4.10%
schoolbus2017 \| Nov 8, 2019 farmer Read More Reviews (1)
Capital One, National Association	4.00%	$0	-	Learn More
Rate History: 4.30% → 4.35% → 4.25% → 4.20% → 4.00%
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)
Bank of America, National Association	4.00%	$10,000	-	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)
Marquette Savings Bank	3.82%	$500	-	Learn More
Rate History: 1.51% → 3.82%
beaglemanduke@gmail.com \| 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 Reviews (1)
First Resource Bank	3.75%	$500	-	Learn More Add Review
Rate History: 5.00% → 4.75% → 4.00% → 3.75%
City National Bank	3.61%	$10,000	-	Learn More Add Review
Rate History: 4.07% → 3.61%
Citibank, National Association	3.50%	$500	-	Learn More
Rate History: 0.05% → 4.75% → 4.65% → 3.75% → 3.50%
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)
USAA Federal Savings Bank	3.45%	$1,000	-	Learn More
Rate History: 5.25% → 4.65% → 4.55% → 3.45%
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)
Gateway First Bank	3.35%	$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)
Bank of Whittier, National Association	3.33%	$1,000	-	Learn More Add Review
Woodforest National Bank	3.00%	$500	-	Learn More
Rate History: 3.35% → 3.00%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
Tompkins Community Bank	3.00%	$1,000	-	Learn More Add Review
MCS Bank	2.52%	$1,000	-	Learn More Add Review
Wells Fargo Bank, National Association	2.01% 2.00%	$100,000 $25,000	-	Learn More
Rate History: 2.50% → 2.51% → 2.01%
Thy King \| 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 Reviews (7)
Hatboro Federal Savings, FA	2.00%	$1,000	-	Learn More Add Review
United Bank	1.75%	$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	1.75%	$1,000	-	Learn More Add Review
JPMorgan Chase Bank, National Association	1.50%	$10,000	-	Learn More
Rate History: 3.00% → 2.00% → 1.50%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
William Penn Bank	1.00%	$10,000	-	Learn More Add Review
The Philadelphia Trust Company	1.00%	$10,000	-	Learn More Add Review
Hyperion Bank	0.90%	$500	-	Learn More Add Review
Fulton Bank, National Association	0.70%	$1,000	-	Learn More Add Review
Hamlin Bank and Trust Company	0.60%	$10,000	-	Learn More Add Review
Citizens & Northern Bank	0.50%	$100,000	-	Learn More Add Review
InFirst Bank	0.50%	$10,000	-	Learn More Add Review
Susquehanna Community Bank	0.50%	$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)
First Federal Savings and Loan Association of Greene Co	0.50%	$10,000	-	Learn More Add Review
The National Bank of Malvern	0.50%	$10,000	-	Learn More Add Review
First Citizens Community Bank	0.45%	$100,000	-	Learn More Add Review
First United National Bank	0.45%	$500	-	Learn More Add Review
Reliance Savings Bank	0.45%	$10,000	-	Learn More Add Review
Ambler Savings Bank	0.45%	$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)
Second Federal Savings and Loan Association of Philadelphia	0.45%	$10,000	-	Learn More Add Review
New Tripoli Bank	0.40%	$500	-	Learn More Add Review
Provident Bank	0.40%	$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)
CFSBANK	0.40%	$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)
Armstrong County Building and Loan Association	0.40%	$10,000	-	Learn More Add Review
Elderton State Bank	0.40%	$100,000	-	Learn More Add Review
PennCrest Bank	0.40%	$10,000	-	Learn More Add Review
Ameriserv Financial Bank	0.40%	$100,000	-	Learn More Add Review
Enterprise Bank	0.40%	$10,000	-	Learn More Add Review
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania	0.40%	$100,000	-	Learn More Add Review
Meridian Bank	0.40%	$10,000	-	Learn More Add Review
Berkshire Bank	0.40%	$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)
Slovenian Savings and Loan Association of Franklin-Conemaugh	0.38%	$100,000	-	Learn More Add Review
Abacus Federal Savings Bank	0.35%	$1,000	-	Learn More Add Review
Citizens Savings Bank	0.35%	$10,000	-	Learn More Add Review
The Dime Bank	0.35%	$100,000	-	Learn More Add Review
Kish Bank	0.35%	$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)
Ameriserv Financial Bank	0.35%	$10,000	-	Learn More Add Review
Hometown Bank of Pennsylvania	0.35%	$10,000	-	Learn More Add Review
The Northumberland National Bank	0.35%	$100,000	-	Learn More Add Review
Mauch Chunk Trust Company	0.35%	$10,000	-	Learn More Add Review
Community State Bank of Orbisonia	0.35%	$500	-	Learn More Add Review
Firstrust Savings Bank	0.35%	$100,000	-	Learn More Add Review
The Victory Bank	0.35%	$10,000	-	Learn More Add Review
United Savings Bank	0.35%	$10,000	-	Learn More Add Review
Parke Bank	0.35%	$500	-	Learn More
Savvysaver \| 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 Reviews (2)
Port Richmond Savings	0.35%	$500	-	Learn More Add Review
First Keystone Community Bank	0.30%	$100,000	-	Learn More Add Review
The Dime Bank	0.30%	$10,000	-	Learn More Add Review
Elderton State Bank	0.30%	$10,000	-	Learn More Add Review
Investment Savings Bank	0.30%	$10,000	-	Learn More Add Review
The Neffs National Bank	0.30%	$10,000	-	Learn More Add Review
American Bank	0.30%	$10,000	-	Learn More Add Review
Sharon Bank	0.30%	$10,000	-	Learn More Add Review
Asian Bank	0.30%	$10,000	-	Learn More Add Review
1st Summit Bank	0.26%	$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)
Mifflinburg Bank and Trust Company	0.25%	$5,000	-	Learn More Add Review
Peoples Security Bank and Trust Company	0.25%	$1,000	-	Learn More Add Review
First National Bank of Pennsylvania	0.25%	$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)
Citizens & Northern Bank	0.25%	$10,000	-	Learn More Add Review
NBT Bank, National Association	0.25%	$10,000	-	Learn More Add Review
The Honesdale National Bank	0.25%	$10,000	-	Learn More Add Review
First Keystone Community Bank	0.25%	$10,000	-	Learn More Add Review
ESSA Bank & Trust	0.25%	$10,000	-	Learn More Add Review
First Northern Bank and Trust Company	0.25%	$10,000	-	Learn More Add Review
The Turbotville National Bank	0.25%	$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	0.25%	$10,000	-	Learn More Add Review
Milton Savings Bank	0.25%	$10,000	-	Learn More Add Review
Unity Bank	0.25%	$10,000	-	Learn More
CF \| Jul 11, 2020 A great bank. Rates are competitive and they have outstanding customer service. Read More Reviews (2)
Brentwood Bank	0.25%	$10,000	-	Learn More Add Review
Slovenian Savings and Loan Association of Franklin-Conemaugh	0.25%	$10,000	-	Learn More Add Review
Washington Financial Bank	0.25%	$10,000	-	Learn More Add Review
Farmers and Merchants Trust Company of Chambersburg	0.25%	$100,000	-	Learn More Add Review
Orrstown Bank	0.25%	$10,000	-	Learn More Add Review
Bank of Bird-in-Hand	0.25%	$10,000	-	Learn More Add Review
Phoenixville Federal Bank and Trust	0.25%	$500	-	Learn More Add Review
QNB Bank	0.25%	$10,000	-	Learn More Add Review
Iron Workers Savings Bank	0.25%	$10,000	-	Learn More Add Review
CNB Bank	0.22%	$10,000	-	Learn More Add Review
First Citizens Community Bank	0.20%	$10,000	-	Learn More Add Review
Wayne Bank	0.20%	$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)
West View Savings Bank	0.20%	$10,000	-	Learn More Add Review
The Gratz Bank	0.20%	$10,000	-	Learn More Add Review
Embassy Bank for the Lehigh Valley	0.20%	$10,000	-	Learn More
Carly \| Jul 14, 2018 Excellent customer service Read More Reviews (1)
Somerset Trust Company	0.20%	$10,000	-	Learn More Add Review
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania	0.20%	$10,000	-	Learn More Add Review
Coatesville Savings Bank	0.20%	$10,000	-	Learn More Add Review
County Savings Bank	0.20%	$10,000	-	Learn More Add Review
The Juniata Valley Bank	0.15%	$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)
Mercer County State Bank	0.15%	$10,000	-	Learn More Add Review
Greenville Savings Bank	0.15%	$10,000	-	Learn More Add Review
NEXTIER BANK, NATIONAL ASSOCIATION	0.15%	$10,000	-	Learn More Add Review
Dollar Bank, Federal Savings Bank	0.15%	$10,000	-	Learn More Add Review
Woodlands Bank	0.15%	$10,000	-	Learn More Add Review
First Columbia Bank & Trust Co.	0.15%	$10,000	-	Learn More Add Review
The Fidelity Deposit and Discount Bank	0.15%	$100,000	-	Learn More Add Review
Jim Thorpe Neighborhood Bank	0.15%	$10,000	-	Learn More Add Review
Community Bank	0.15%	$10,000	-	Learn More Add Review
Farmers and Merchants Trust Company of Chambersburg	0.15%	$10,000	-	Learn More Add Review
ACNB Bank	0.15%	$10,000	-	Learn More Add Review
York Traditions Bank	0.15%	$10,000	-	Learn More Add Review
The Ephrata National Bank	0.15%	$100,000	-	Learn More Add Review
Penn Community Bank	0.15%	$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)
First National Bank and Trust Company of Newtown	0.15%	$10,000	-	Learn More Add Review
Slovenian Savings and Loan Association of Canonsburg	0.12%	$10,000	-	Learn More
Tbench3485@comcast.net \| Oct 7, 2019 64000 Read More Reviews (1)
Fleetwood Bank	0.10%	$500	-	Learn More Add Review
Univest Bank and Trust Co.	0.10%	$500	-	Learn More Add Review
The Farmers National Bank of Canfield	0.10%	$500	-	Learn More Add Review
PS Bank	0.10%	$10,000	-	Learn More Add Review
Chemung Canal Trust Company	0.10%	$10,000	-	Learn More Add Review
First Commonwealth Bank	0.10%	$10,000	-	Learn More Add Review
WesBanco Bank, Inc.	0.10%	$10,000	-	Learn More Add Review
Marion Center Bank	0.10%	$10,000	-	Learn More Add Review
The Fidelity Deposit and Discount Bank	0.10%	$10,000	-	Learn More Add Review
Apollo Trust Company	0.10%	$10,000	-	Learn More Add Review
Altoona First Savings Bank	0.10%	$1,000	-	Learn More Add Review
Old Dominion National Bank	0.10%	$10,000	-	Learn More Add Review
The Ephrata National Bank	0.10%	$10,000	-	Learn More Add Review
Harleysville Bank	0.10%	$10,000	-	Learn More
Keith Wright \| Aug 23, 2016 Great dividend, moderate growth, excellent customer service. Potential acquisition target Read More Reviews (1)
Firstrust Savings Bank	0.10%	$10,000	-	Learn More Add Review
The Bank of Princeton	0.10%	$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)
United Bank of Philadelphia	0.10%	$10,000	-	Learn More Add Review
Community Bank, National Association	0.08%	$100,000	-	Learn More Add Review
KeyBank National Association	0.05%	$2,500	-	Learn More
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)
OceanFirst Bank, National Association	0.05%	$500	-	Learn More Add Review
Commercial Bank and Trust of PA	0.05%	$10,000	-	Learn More Add Review
First Bank	0.05%	$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)
U.S. Bank National Association	0.05%	$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)
Community Bank, National Association	0.03%	$10,000	-	Learn More Add Review
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)

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

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PRODUCT INFORMATION

6 Month Branch Certificates of Deposit 2024

Six month certificates of deposit (CDs) provide depositors with a short term vehicle for keeping money safe and earning interest. With a six month CD, depositors agree to leave their money in the account for six months in return for a fixed rate of interest over this period. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

In general, almost all brick-and-mortar banks provide CDs to their consumers. Opening one involves taking a trip to the branch although some banks allow CDs to be opened via the phone or online. In general, local banks discourage depositors from out-of-state to open accounts, although this is not a hard rule and if you see an attractive rate from a bank in another state, it is worth investigating the account opening policy. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.

The advantages of six month CDs opened via a traditional 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 six month CDs are:

Six month CDs currently pay interest rates significantly below many online and branch-based savings and money market accounts.
The deposited money is committed for six months.
Six month CDs from traditional banks often pay less interest than from online banks.

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.

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 – 6-Month

PRODUCT INFORMATION

6 Month Branch Certificates of Deposit 2024

The advantages of six month CDs opened via a traditional bank are:

The disadvantages of six month CDs are:

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