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 - September 7, 2024

6 Month CD National Average : 0.41% ^?

Credit Unions	APY	MIN	MILES ^?
Trumark Financial Restrictions	4.80% 4.30%	$500 $75,000	-	Learn More Add Review
Rate History: 4.50% → 5.00% → 4.80%
Discovery Restrictions	4.75%	$100	-	Learn More Add Review
Rate History: 5.00% → 4.75%
American Heritage Restrictions	4.50%	$1,000	-	Learn More
Rate History: 5.00% → 4.90% → 4.50% → 5.00% → 4.50%
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 Restrictions	4.50%	$500	-	Learn More Add Review
Rate History: 4.00% → 4.50%
State Employees' Restrictions	4.50%	$250	-	Learn More Add Review
Sun East 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)
Bayer Heritage Restrictions	4.34%	$100	-	Learn More Add Review
Rate History: 5.65% → 5.13% → 4.60% → 4.34%
Citadel Restrictions	4.05% 4.00%	$75,000 $500	-	Learn More Add Review
Police & Fire Restrictions	4.00%	$1,000	-	Learn More
Rate History: 3.60% → 3.75% → 4.00%
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)
Spirit Financial Restrictions	4.00%	$500	-	Learn More Add Review
Corning Restrictions	3.70% 3.50%	$100,000 $1,000	-	Learn More Add Review
Rate History: 3.20% → 3.70%
Unify Financial Restrictions	3.50%	$1,000	-	Learn More
dapatton@pacbell.net \| May 12, 2016 19 what, years or months Read More Reviews (1)
Genisys Restrictions	3.48% 3.43%	$100,000 $500	-	Learn More Add Review
Rate History: 3.71% → 3.48% → 3.48%
Corporate America Family Restrictions	3.30% 3.25%	$10,000 $1,000	-	Learn More Add Review
Visions Restrictions	3.15%	$500	-	Learn More Add Review
Pentagon Restrictions	3.00%	$1,000	-	Learn More
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 Restrictions	2.50%	$500	-	Learn More Add Review
Ingersoll-rand Restrictions	2.37%	$1,000	-	Learn More Add Review
Members 1st 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
Erie Restrictions	0.80%	$100,000	-	Learn More
Jenn2998 \| Sep 1, 2021 Tom garrett Read More Reviews (1)
Riverfront Restrictions	0.75%	$10,000	-	Learn More Add Review
Parda 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 Restrictions	0.60%	$10,000	-	Learn More Add Review
Erie Restrictions	0.60%	$10,000	-	Learn More
Jenn2998 \| Sep 1, 2021 Tom garrett Read More Reviews (1)
Guthrie Restrictions	0.60%	$10,000	-	Learn More Add Review
Palco Fcu Restrictions	0.60%	$10,000	-	Learn More Add Review
Apci Restrictions	0.60%	$10,000	-	Learn More Add Review
Polish & Slavic Restrictions	0.55%	$500	-	Learn More Add Review
Bellco Restrictions	0.55%	$10,000	-	Learn More Add Review
Diamond Restrictions	0.55%	$100,000	-	Learn More Add Review
Tendto Restrictions	0.54%	$100,000	-	Learn More Add Review
Tendto Restrictions	0.51%	$10,000	-	Learn More Add Review
South Jersey Restrictions	0.50%	$10,000	-	Learn More Add Review
Philadelphia Restrictions	0.50%	$10,000	-	Learn More Add Review
Sru Restrictions	0.50%	$10,000	-	Learn More Add Review
Usx Restrictions	0.50%	$100,000	-	Learn More Add Review
Riverset Credit Union Restrictions	0.50%	$10,000	-	Learn More Add Review
Everence Restrictions	0.50%	$100,000	-	Learn More Add Review
Diamond Restrictions	0.50%	$10,000	-	Learn More Add Review
Ukrainian Selfreliance Restrictions	0.50%	$100,000	-	Learn More Add Review
First Heritage Restrictions	0.45%	$10,000	-	Learn More Add Review
West Branch Valley Restrictions	0.45%	$100,000	-	Learn More Add Review
Choice One Community Restrictions	0.45%	$10,000	-	Learn More Add Review
Century Heritage Restrictions	0.45%	$500	-	Learn More Add Review
New Cumberland	0.45%	$100,000	-	Learn More Add Review
Belco Community Credit Union 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 Restrictions	0.40%	$500	-	Learn More Add Review
Widget Restrictions	0.40%	$10,000	-	Learn More Add Review
Penn East Restrictions	0.40%	$100,000	-	Learn More Add Review
Galaxy Restrictions	0.40%	$10,000	-	Learn More Add Review
Usx Restrictions	0.40%	$10,000	-	Learn More Add Review
Everence Restrictions	0.40%	$10,000	-	Learn More Add Review
Patriot Restrictions	0.40%	$100,000	-	Learn More Add Review
Xceed Financial Restrictions	0.40%	$10,000	-	Learn More Add Review
Cacl Restrictions	0.40%	$10,000	-	Learn More Add Review
Hidden River Restrictions	0.40%	$100,000	-	Learn More Add Review
North Penn	0.40%	$10,000	-	Learn More Add Review
Superior Credit Union Restrictions	0.40%	$10,000	-	Learn More Add Review
Viriva Community Restrictions	0.40%	$10,000	-	Learn More Add Review
Affiliated Trades	0.40%	$10,000	-	Learn More Add Review
Ukrainian Selfreliance Restrictions	0.40%	$10,000	-	Learn More Add Review
Grove City Area Restrictions	0.35%	$10,000	-	Learn More Add Review
West Branch Valley Restrictions	0.35%	$10,000	-	Learn More Add Review
Ussco Johnstown Restrictions	0.35%	$10,000	-	Learn More Add Review
Belco Community Credit Union 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 Restrictions	0.35%	$10,000	-	Learn More Add Review
Lanco Restrictions	0.35%	$10,000	-	Learn More Add Review
Hidden River Restrictions	0.35%	$10,000	-	Learn More Add Review
Gold Restrictions	0.35%	$10,000	-	Learn More Add Review
Forge Restrictions	0.35%	$10,000	-	Learn More Add Review
Fedchoice Restrictions	0.35%	$100,000	-	Learn More Add Review
Advantage Financial Restrictions	0.35%	$10,000	-	Learn More Add Review
Lebanon 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 Restrictions	0.30%	$10,000	-	Learn More Add Review
Penn East Restrictions	0.30%	$10,000	-	Learn More Add Review
Service 1st Restrictions	0.30%	$10,000	-	Learn More Add Review
Members Choice Financial Restrictions	0.30%	$100,000	-	Learn More Add Review
New Cumberland	0.30%	$10,000	-	Learn More Add Review
Americhoice Restrictions	0.30%	$10,000	-	Learn More Add Review
Patriot Restrictions	0.30%	$10,000	-	Learn More Add Review
First Capital Restrictions	0.30%	$10,000	-	Learn More Add Review
Heritage Valley Restrictions	0.30%	$10,000	-	Learn More Add Review
Franklin Mint Restrictions	0.30%	$10,000	-	Learn More Add Review
Norristown Bell Restrictions	0.30%	$10,000	-	Learn More Add Review
Lehigh Valley Educators Restrictions	0.30%	$10,000	-	Learn More Add Review
Upper Darby Belltelco	0.30%	$10,000	-	Learn More Add Review
Fedchoice Restrictions	0.30%	$10,000	-	Learn More Add Review
Reliance Restrictions	0.27%	$10,000	-	Learn More Add Review
Clarion Restrictions	0.25%	$10,000	-	Learn More Add Review
Ufcw Community Restrictions	0.25%	$10,000	-	Learn More Add Review
Net Restrictions	0.25%	$100,000	-	Learn More Add Review
Spe Restrictions	0.25%	$10,000	-	Learn More Add Review
People First Restrictions	0.25%	$10,000	-	Learn More Add Review
Chrome Restrictions	0.25%	$10,000	-	Learn More Add Review
Merho Restrictions	0.25%	$10,000	-	Learn More Add Review
Sun Restrictions	0.25%	$10,000	-	Learn More Add Review
Benchmark Restrictions	0.25%	$10,000	-	Learn More Add Review
Access	0.25%	$10,000	-	Learn More Add Review
Inspire 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 Restrictions	0.20%	$10,000	-	Learn More Add Review
Clearview Restrictions	0.20%	$10,000	-	Learn More Add Review
Allegent Community Restrictions	0.20%	$10,000	-	Learn More Add Review
Armstrong Associates Restrictions	0.20%	$10,000	-	Learn More Add Review
Healthcare First Credit Union Restrictions	0.20%	$10,000	-	Learn More Add Review
First Commonwealth Restrictions	0.20%	$10,000	-	Learn More Add Review
Delco Postal	0.20%	$10,000	-	Learn More Add Review
Net Restrictions	0.15%	$10,000	-	Learn More Add Review
White Rose Restrictions	0.15%	$10,000	-	Learn More Add Review
General Electric Employees Restrictions	0.15%	$10,000	-	Learn More Add Review
Ardent Restrictions	0.15%	$10,000	-	Learn More Add Review
Irco Community Restrictions	0.10%	$10,000	-	Learn More Add Review
Penn State Restrictions	0.05%	$10,000	-	Learn More Add Review
Edu Restrictions	0.01%	$500	-	Learn More Add Review
Cross Valley 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.

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 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, 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.

SAVINGS & CD CALCULATOR

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Credit Union CD Rates – 6-Month – Pennsylvania

PRODUCT INFORMATION

Credit Union Certificates of Deposit 2024

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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