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Highest Club Savings Account Rates in Pennsylvania
46 Pennsylvania-specific products

By Aviel Fahl

Newest reading: October 13, 2026

Top Pennsylvania Rate:4.32%

The Pennsylvania market

Pennsylvania accounts

50

Institutions

30

Top Pennsylvania APY

4.32% APY

FDIC national average

0.37%

As of Sep 2026

50 club savings accounts are open only to Pennsylvania residents, from 30 institutions. The highest advertised APY among them is 4.32%.

8 of the 50 Pennsylvania club savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.

Pennsylvania-Specific Club Savings Accounts

Club Savings accounts specifically available to Pennsylvania residents.

#1

SSB Bank

Christmas Club

+$432
per year
4.32% APY
Oct 13, 2026
FDIC InsuredNo MinimumsIn-Person Access

What to Watch

The rate is reset every year on November 1.

Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 30431)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteSSB Bank

Direct Link to Product Page (Not Sponsored)

#2

Elderton State Bank

Vacation Club

+$100
per year
1.00% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The club pays out each year in May. Accrued interest is lost if the account is closed before interest is credited.

Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$0
Compound Freqannually
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 12985)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteElderton State Bank

Direct Link to Product Page (Not Sponsored)

#3

Elderton State Bank

Christmas Club

+$100
per year
1.00% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The club pays out each year in October. Accrued interest is lost if the account is closed before interest is credited.

Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$0
Compound Freqannually
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 12985)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteElderton State Bank

Direct Link to Product Page (Not Sponsored)

#4

Elderton State Bank

Property Tax Club

+$100
per year
1.00% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The club pays out each year in August. Accrued interest is lost if the account is closed before interest is credited.

Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$0
Compound Freqannually
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 12985)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteElderton State Bank

Direct Link to Product Page (Not Sponsored)

#5

Armstrong County Building and Loan Association

Christmas Club

+$75
per year
0.75% APY
Oct 13, 2026
FDIC InsuredNo MinimumsIn-Person Access

What to Watch

The balance is paid out by check each October. No deposits are accepted while the balance is at $10,000.

Show Fine Print & Trends
Min. Deposit$0.01
Min. BalanceN/A
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29471)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteArmstrong County Building and Loan Association

Direct Link to Product Page (Not Sponsored)

#6

Marion Center Bank

Holiday Club

+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Funds pay out in September. Additional deposits must be at least $2.00, and one withdrawal of principal may be made without penalty from the seventh day after opening until maturity.

Show Fine Print & Trends
Min. Deposit$25
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 7909)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteMarion Center Bank

Direct Link to Product Page (Not Sponsored)

#7

Marion Center Bank

Vacation Club

+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$25
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 7909)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteMarion Center Bank

Direct Link to Product Page (Not Sponsored)

#8

The Neffs National Bank

Christmas & Vacation Clubs

+$40
per year
0.40% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The Christmas Club begins in October and the Vacation and Tax Clubs begin in March; each pays out the following year. The term varies with the month the account is opened, and a penalty applies to an early withdrawal.

Show Fine Print & Trends
Min. Deposit$25
Min. Balance$10
Maintenance Fee$0
Compound Freqannually
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 7646)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe Neffs National Bank

Direct Link to Product Page (Not Sponsored)

#9

Marquette Savings Bank

Holiday Club

+$26
per year
0.26% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$5
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 30544)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteMarquette Savings Bank

Direct Link to Product Page (Not Sponsored)

#10

Clarion County Community Bank

Christmas Club - Direct Debit

+$25
per year
0.25% APY
Oct 7, 2026
FDIC InsuredDirect Deposit ReqLow MinimumsIn-Person Access

What to Watch

The account has a 12-month term, and a penalty may be imposed for early withdrawal.

Show Fine Print & Trends
Min. Deposit$5
Min. Balance$0
Maintenance Fee$0
Compound Freqat maturity
Direct DepositRequired (See terms)
Deposit InsuranceFDIC Insured(Cert: 57624)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteClarion County Community Bank

Direct Link to Product Page (Not Sponsored)

#11

Investment Savings Bank

Christmas Club

+$25
per year
0.25% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The account matures in October. An early withdrawal costs a $5.00 penalty and forfeits the interest earned on the balance.

Show Fine Print & Trends
Min. Deposit$5
Min. Balance$20
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 30121)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteInvestment Savings Bank

Direct Link to Product Page (Not Sponsored)

#12

Investment Savings Bank

Vacation Club

+$25
per year
0.25% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The account matures in April, when the balance is sent to the customer by cheque. An early withdrawal costs a $5.00 penalty and forfeits the interest earned on the balance.

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. Balance$20
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 30121)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteInvestment Savings Bank

Direct Link to Product Page (Not Sponsored)

#13

Mercer County State Bank

Christmas Club Direct

+$25
per year
0.25% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access

What to Watch

Deposits are drawn automatically from a Mercer County State Bank checking account, and the balance is paid back into that checking account the following October. Interest is credited only at maturity. Closing the account early costs a $25 fee and forfeits all interest.

Show Fine Print & Trends
Min. Deposit$0
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 445)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteMercer County State Bank

Direct Link to Product Page (Not Sponsored)

#14

Reliance Savings Bank

Holiday Club

+$25
per year
0.25% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The account matures and pays out on the first weekend after October 3 each year, so its term depends on when it was opened. A withdrawal before maturity forfeits the interest earned.

Show Fine Print & Trends
Min. Deposit$2
Min. Balance$50
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 30117)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteReliance Savings Bank

Direct Link to Product Page (Not Sponsored)

#15

Reliance Savings Bank

Vacation Club

+$25
per year
0.25% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The account matures and pays out on the first weekend after April 3 each year, so its term depends on when it was opened. A withdrawal before maturity forfeits the interest earned.

Show Fine Print & Trends
Min. Deposit$2
Min. Balance$50
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 30117)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteReliance Savings Bank

Direct Link to Product Page (Not Sponsored)

#16

Compass Savings Bank

Christmas Club

+$20
per year
0.30% APY
Oct 7, 2026

Needs at least $25,000

APY Range: 0.10% – 0.30%
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The account balance is returned by check each October rather than left on deposit.

Show Fine Print & Trends
Min. Deposit$25
Min. Balance$50
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29430)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteCompass Savings Bank

Direct Link to Product Page (Not Sponsored)

#17

UNB Bank

Christmas Club - Automatic

+$20
per year
0.20% APY
Oct 3, 2026
FDIC InsuredNo MinimumsIn-Person Access

What to Watch

The club runs on a fixed annual cycle that starts in October and matures the following October, whatever month the account is opened. A penalty may be imposed for a withdrawal before maturity.

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. BalanceN/A
Maintenance Fee$0
Compound Freqmonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 7631)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteUNB Bank

Direct Link to Product Page (Not Sponsored)

#18

UNB Bank

Vacation Club - Automatic

+$20
per year
0.20% APY
Oct 3, 2026
FDIC InsuredNo MinimumsIn-Person Access

What to Watch

The club runs on a fixed annual cycle that starts in May and matures the following May, whatever month the account is opened. A penalty may be imposed for a withdrawal before maturity.

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. BalanceN/A
Maintenance Fee$0
Compound Freqmonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 7631)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteUNB Bank

Direct Link to Product Page (Not Sponsored)

#19

Central Penn Bank & Trust

Club Account

+$15
per year
0.15% APY
Oct 9, 2026
FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. BalanceN/A
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 10685)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

Very StableNo rate changes in last 90 days
Official SiteCentral Penn Bank & Trust

Direct Link to Product Page (Not Sponsored)

#20

Community State Bank of Orbisonia

Christmas Club Savings

+$15
per year
0.25% APY
Oct 7, 2026

Relationship rate · 0.15% without the relationship

APY Range: 0.15% – 0.25%
FDIC InsuredDirect Deposit ReqLow MinimumsIn-Person Access

What to Watch

Opens from October 2 to December 31. Funds are paid out around October 2 of the following year. A higher rate applies when the account receives a direct deposit.

Show Fine Print & Trends
Min. Deposit$1
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositRequired (See terms)
Deposit InsuranceFDIC Insured(Cert: 16976)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteCommunity State Bank of Orbisonia

Direct Link to Product Page (Not Sponsored)

#21

Community State Bank of Orbisonia

All-Purpose Club Savings

+$15
per year
0.25% APY
Oct 7, 2026

Relationship rate · 0.15% without the relationship

APY Range: 0.15% – 0.25%
FDIC InsuredDirect Deposit ReqLow MinimumsIn-Person Access

What to Watch

Opens from May 16 to July 31. Funds are paid out around May 16 of the following year. A higher rate applies when the account receives a direct deposit.

Show Fine Print & Trends
Min. Deposit$1
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositRequired (See terms)
Deposit InsuranceFDIC Insured(Cert: 16976)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteCommunity State Bank of Orbisonia

Direct Link to Product Page (Not Sponsored)

#22

Hometown Bank of Pennsylvania

Club Accounts

+$15
per year
0.15% APY
Oct 3, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$1
Min. Balance$0.01
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58470)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteHometown Bank of Pennsylvania

Direct Link to Product Page (Not Sponsored)

#23

InFirst Bank

CACHÉ Club

+$15
per year
0.15% APY
Oct 13, 2026
FDIC InsuredNo MinimumsIn-Person Access

What to Watch

No withdrawal is allowed before the payout date, and any withdrawal closes the account. Closing early costs $5. The customer picks the payout month, and the account renews each year.

Show Fine Print & Trends
Min. Deposit$0.01
Min. Balance$0.01
Maintenance Fee$0
Compound Freqat maturity
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 27763)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteInFirst Bank

Direct Link to Product Page (Not Sponsored)

#24

Jarrettsville Federal Savings and Loan Association

Christmas Club

+$15
per year
0.15% APY
Oct 3, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Deposits are made in fixed weekly increments of $2, $5, $10 or $20. The account does not allow early withdrawals, and the balance is paid out by check at the end of October.

Show Fine Print & Trends
Min. Deposit$2
Min. BalanceN/A
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 31083)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteJarrettsville Federal Savings and Loan Association

Direct Link to Product Page (Not Sponsored)

#25

Westmoreland Federal Savings and Loan Association

Christmas Club

+$15
per year
0.15% APY
Oct 12, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Interest is compounded daily and credited at club maturity. Withdrawals are not permitted during the club term. Club checks are issued in October.

Show Fine Print & Trends
Min. Deposit$1
Min. Balance$1
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 30551)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

Official SiteWestmoreland Federal Savings and Loan Association

Direct Link to Product Page (Not Sponsored)

#26

Westmoreland Federal Savings and Loan Association

Vacation Club

+$15
per year
0.15% APY
Oct 12, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Interest is compounded daily and credited at club maturity. Withdrawals are not permitted during the club term. Club checks are issued in April.

Show Fine Print & Trends
Min. Deposit$1
Min. Balance$1
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 30551)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

Official SiteWestmoreland Federal Savings and Loan Association

Direct Link to Product Page (Not Sponsored)

#27

CFSBANK

Christmas Club

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The account matures in October each year. The balance is then transferred automatically into another cfsbank deposit account.

Show Fine Print & Trends
Min. Deposit$10
Min. Balance$50
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29672)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteCFSBANK

Direct Link to Product Page (Not Sponsored)

#28

CFSBANK

Vacation Club

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The account matures in March each year. The balance is then transferred automatically into another cfsbank deposit account.

Show Fine Print & Trends
Min. Deposit$10
Min. Balance$50
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29672)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteCFSBANK

Direct Link to Product Page (Not Sponsored)

#29

Clarion County Community Bank

Christmas Club - Coupon Book

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access

What to Watch

The account has a 12-month term, and a penalty may be imposed for early withdrawal.

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 57624)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteClarion County Community Bank

Direct Link to Product Page (Not Sponsored)

#30

First Northern Bank and Trust Company

All Purpose Club

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The account is funded by fixed weekly payments of $20.00 or more, set in $10.00 increments, and the payments must be deducted from a First Northern Bank and Trust checking or savings account. Interest is credited at maturity, and a withdrawal reduces earnings.

Show Fine Print & Trends
Min. Deposit$20
Min. Balance$20
Maintenance Fee$0
Compound Freqat maturity
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 7675)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFirst Northern Bank and Trust Company

Direct Link to Product Page (Not Sponsored)

#31

First Northern Bank and Trust Company

Christmas Club

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The account is funded by fixed weekly payments of $10.00, $20.00, $30.00, $40.00 or $60.00, deducted from a First Northern Bank and Trust checking or savings account. Interest is credited at maturity, and a withdrawal reduces earnings.

Show Fine Print & Trends
Min. Deposit$10
Min. Balance$10
Maintenance Fee$0
Compound Freqat maturity
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 7675)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFirst Northern Bank and Trust Company

Direct Link to Product Page (Not Sponsored)

#32

MCS Bank

Christmas Club

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Funds are paid out each October by mail or by direct deposit to an MCS Bank account. A penalty applies to an early withdrawal.

Show Fine Print & Trends
Min. Deposit$1
Min. Balance$1
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 28186)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteMCS Bank

Direct Link to Product Page (Not Sponsored)

#33

MCS Bank

Vacation Club

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Funds are paid out in the month the holder chooses. A penalty applies to an early withdrawal.

Show Fine Print & Trends
Min. Deposit$1
Min. Balance$1
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 28186)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteMCS Bank

Direct Link to Product Page (Not Sponsored)

#34

PennCrest Bank

Christmas Club

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A higher rate is paid when the matured funds are transferred into a PennCrest Bank checking or savings account. A penalty is imposed for a withdrawal before maturity.

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. Balance$10
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 30119)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SitePennCrest Bank

Direct Link to Product Page (Not Sponsored)

#35

PennCrest Bank

Vacation Club

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A higher rate is paid when the matured funds are transferred into a PennCrest Bank checking or savings account. A penalty is imposed for a withdrawal before maturity.

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. Balance$10
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 30119)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SitePennCrest Bank

Direct Link to Product Page (Not Sponsored)

#36

QNB Bank

Personal EZ Saver Clubs

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$5
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 7714)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteQNB Bank

Direct Link to Product Page (Not Sponsored)

#37

The Bank of Landisburg

Christmas Club

+$10
per year
0.10% APY
Oct 13, 2026
FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 90384)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe Bank of Landisburg

Direct Link to Product Page (Not Sponsored)

#38

The Bank of Landisburg

All Purpose Club

+$10
per year
0.10% APY
Oct 13, 2026
FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 90384)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe Bank of Landisburg

Direct Link to Product Page (Not Sponsored)

#39

UNB Bank

Christmas Club - Coupon Book

+$10
per year
0.10% APY
Oct 3, 2026
FDIC InsuredNo MinimumsIn-Person Access

What to Watch

The club runs on a fixed annual cycle that starts in October and matures the following October, whatever month the account is opened. A penalty may be imposed for a withdrawal before maturity.

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. BalanceN/A
Maintenance Fee$0
Compound Freqmonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 7631)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteUNB Bank

Direct Link to Product Page (Not Sponsored)

#40

UNB Bank

Vacation Club - Coupon Book

+$10
per year
0.10% APY
Oct 3, 2026
FDIC InsuredNo MinimumsIn-Person Access

What to Watch

The club runs on a fixed annual cycle that starts in May and matures the following May, whatever month the account is opened. A penalty may be imposed for a withdrawal before maturity.

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. BalanceN/A
Maintenance Fee$0
Compound Freqmonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 7631)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteUNB Bank

Direct Link to Product Page (Not Sponsored)

#41

Brentwood Bank

Holiday Club Savings

+$5
per year
0.05% APY
Oct 3, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$50
Min. Balance$250
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 27943)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteBrentwood Bank

Direct Link to Product Page (Not Sponsored)

#42

Citizens Savings Bank

Club Accounts

+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access

What to Watch

Funds are paid out in a month chosen at account opening: January, April, June, August or October. An early withdrawal may result in a $10 penalty.

Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 31184)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteCitizens Savings Bank

Direct Link to Product Page (Not Sponsored)

#43

Mid Penn Bank

Club Savings

+$5
per year
0.05% APY
Oct 8, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A penalty of $20.00 is charged for each withdrawal made before maturity. Interest is credited at maturity and none is paid before then.

Show Fine Print & Trends
Min. Deposit$1
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDoesn't compound
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 9889)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteMid Penn Bank

Direct Link to Product Page (Not Sponsored)

#44

Mid Penn Bank

Vacation Club

+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A penalty of $20.00 is charged for each withdrawal made before maturity. Interest is credited at maturity and none is paid before then.

Show Fine Print & Trends
Min. Deposit$1
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDoesn't compound
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 9889)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteMid Penn Bank

Direct Link to Product Page (Not Sponsored)

#45

PS Bank

Club Account

+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. Balance$0
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 444)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SitePS Bank

Direct Link to Product Page (Not Sponsored)

#46

West View Savings Bank

Christmas Club Account

+$5
per year
0.05% APY
Oct 8, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$20
Min. Balance$100
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 27760)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteWest View Savings Bank

Direct Link to Product Page (Not Sponsored)