Highest IRA Savings Account Rates in Pennsylvania
29 Pennsylvania-specific products

By Aviel Fahl

Newest reading: October 13, 2026

Top Pennsylvania Rate:2.60% APYFDIC or NCUA Insured

The Pennsylvania market

Pennsylvania accounts

Institutions

Top Pennsylvania APY

2.60% APY

Nationally: 2.00% APY

FDIC national average

0.37%

As of Sep 2026

29 IRA savings accounts are open only to Pennsylvania residents, from 20 institutions. The highest advertised APY among them is 2.60%.

The highest nationally available rate is 2.00% APY, 60 basis points below the Pennsylvania leader.

11 of the 29 Pennsylvania IRA savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.

Pennsylvania-Specific IRA Savings Accounts

IRA Savings accounts specifically available to Pennsylvania residents.

#	Institution & Rate	Earned in a year at $10,000	Requirements & Features	Minimum Deposit
#1	Kish Bank IRA Money Market Account 2.60%APY No min. balance for APY Observed: Oct 7, 2026 Show Details	+$260per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#2	Enterprise Bank Simplicity Consumer IRA 1.41%APY No min. balance for APY Observed: Oct 13, 2026 Show Details	+$141per year	Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	$0
#3	Central Penn Bank & Trust 60 months 1.15%APY Observed: Oct 9, 2026 Show Details	+$115per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#4	Central Penn Bank & Trust 48 months 1.05%APY Observed: Oct 9, 2026 Show Details	+$105per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#5	Central Penn Bank & Trust 36 months 1.00%APY Observed: Oct 9, 2026 Show Details	+$100per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#6	Central Penn Bank & Trust 30 months 0.85%APY Observed: Oct 9, 2026 Show Details	+$85per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#7	Central Penn Bank & Trust 24 months 0.80%APY Observed: Oct 9, 2026 Show Details	+$80per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#8	Central Penn Bank & Trust 18 Months 0.75%APY Observed: Oct 9, 2026 Show Details	+$75per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#9	Marion Center Bank IRA Statement Savings 0.75%APY Min. balance: $100 Observed: Oct 7, 2026 Show Details	+$75per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#10	Central Penn Bank & Trust 12 Months 0.70%APY Observed: Oct 9, 2026 Show Details	+$70per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#11	Central Penn Bank & Trust 6 months 0.60%APY Observed: Oct 9, 2026 Show Details	+$60per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#12	Hyperion Bank IRA Savings 0.35%APY No min. balance for APY Observed: Oct 7, 2026 Show Details	+$35per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$50
#13	Central Penn Bank & Trust 12 months var. eff. 4/15* + incl Jumbo 0.25%APY Observed: Oct 9, 2026 Show Details	+$25per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#14	Harleysville Bank IRA Statement Savings 0.15%APY Observed: Oct 7, 2026 Show Details	+$15per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$1
#15	Hometown Bank of Pennsylvania IRA Savings 0.15%APY No min. balance for APY Observed: Oct 3, 2026 Show Details	+$15per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$25
#16	PS Bank IRA Savings 0.15%APY No min. balance for APY Observed: Oct 7, 2026 Show Details	+$15per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	N/A
#17	Westmoreland Federal Savings and Loan Association IRA Statement Savings 0.15%APY Observed: Oct 12, 2026 Show Details	+$15per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	N/A
#18	American Bank IRA Statement Savings 0.10%APY No min. balance for APY Observed: Oct 7, 2026 Show Details	+$10per year	Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	$0
#19	CENTURY HERITAGE Money Market IRA 0.10%APY Min. balance: $4,000 Observed: Oct 7, 2026 Show Details	+$10per year	We could not confirm: minimum deposit. Requires Mod. Minimum Features In-Person Access	N/A
#20	MCS Bank IRA Savings 0.10%APY Observed: Oct 7, 2026 Show Details	+$10per year	Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	$0
#21	The Bank of Landisburg IRA Savings 0.10%APY Observed: Oct 13, 2026 Show Details	+$10per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	N/A
#22	Unity Bank Money Market IRA Up to0.15%APY Needs at least $50,000 Min. balance: $100 Observed: Oct 13, 2026 Show Details	+$10per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$1
#23	CENTURY HERITAGE IRA Accumulation Account 0.05%APY Min. balance: $250 Observed: Oct 7, 2026 Show Details	+$5per year	Features Low MinimumsIn-Person Access	$25
#24	Farmers and Merchants Trust Company of Chambersburg IRA Savings Account 0.05%APY Observed: Oct 7, 2026 Show Details	+$5per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$250
#25	Penn Community Bank IRA Statement Savings 0.05%APY Min. balance: $25 Observed: Oct 5, 2026 Show Details	+$5per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	N/A
#26	The Bank of Princeton IRA Savings 0.05%APY No min. balance for APY Observed: Oct 7, 2026 Show Details	+$5per year	Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	$0
#27	Washington Financial Bank IRA Savings 0.05%APY Observed: Oct 7, 2026 Show Details	+$5per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$250
#28	ELLIOTT COMMUNITY IRA Accumulation Fund 0.04%APY Observed: Oct 3, 2026 Show Details	+$4per year	Features No MinimumsIn-Person Access	$0
#29	Embassy Bank for the Lehigh Valley IRA Savings 0.02%APY Observed: Oct 7, 2026 Show Details	+$2per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	N/A

Kish Bank

IRA Money Market Account

+$260

per year

2.60% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	$0.01
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 14969)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Rate Increased

+0.10%

Since 30 days ago

Official SiteKish Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Enterprise Bank

Simplicity Consumer IRA

+$141

per year

1.41% APY

Oct 13, 2026

FDIC InsuredNo MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 34786)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Rate Increased

+0.07%

Since 30 days ago

Official SiteEnterprise Bank

Direct Link to Product Page (Not Sponsored)

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Central Penn Bank & Trust

60 months

+$115

per year

1.15% APY

Oct 9, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 10685)
Eligibility	United 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)

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Central Penn Bank & Trust

48 months

+$105

per year

1.05% APY

Oct 9, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 10685)
Eligibility	United 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)

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Central Penn Bank & Trust

36 months

+$100

per year

1.00% APY

Oct 9, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 10685)
Eligibility	United 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)

Read Bank Overview

Central Penn Bank & Trust

30 months

+$85

per year

0.85% APY

Oct 9, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 10685)
Eligibility	United 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)

Read Bank Overview

Central Penn Bank & Trust

24 months

+$80

per year

0.80% APY

Oct 9, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 10685)
Eligibility	United 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)

Read Bank Overview

Central Penn Bank & Trust

18 Months

+$75

per year

0.75% APY

Oct 9, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 10685)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Rate Adjusted

-3.00%

Since 90 days ago

Official SiteCentral Penn Bank & Trust

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Marion Center Bank

IRA Statement Savings

+$75

per year

0.75% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	$100
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 7909)
Eligibility	United 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)

Read Bank Overview

#10

Central Penn Bank & Trust

12 Months

+$70

per year

0.70% APY

Oct 9, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 10685)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Rate Adjusted

-3.05%

Since 90 days ago

Official SiteCentral Penn Bank & Trust

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#11

Central Penn Bank & Trust

6 months

+$60

per year

0.60% APY

Oct 9, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 10685)
Eligibility	United 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)

Read Bank Overview

#12

Hyperion Bank

IRA Savings

+$35

per year

0.35% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$50
Min. Balance	$0.01
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 58371)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteHyperion Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#13

Central Penn Bank & Trust

12 months var. eff. 4/15* + incl Jumbo

+$25

per year

0.25% APY

Oct 9, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 10685)
Eligibility	United 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)

Read Bank Overview

#14

Harleysville Bank

IRA Statement Savings

+$15

per year

0.15% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$1
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 31461)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteHarleysville Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#15

Hometown Bank of Pennsylvania

IRA Savings

+$15

per year

0.15% APY

Oct 3, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$25
Min. Balance	$0.01
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 58470)
Eligibility	United 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)

Read Bank Overview

#16

PS Bank

IRA Savings

+$15

per year

0.15% APY

Oct 7, 2026

FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 444)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SitePS Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#17

Westmoreland Federal Savings and Loan Association

IRA Statement Savings

+$15

per year

0.15% APY

Oct 12, 2026

FDIC InsuredNo MinimumsIn-Person Access

What to Watch

IRA Statement Savings earns the same rate as the regular Statement Savings account and allows additions at any time.

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 30551)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Official SiteWestmoreland Federal Savings and Loan Association

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#18

American Bank

IRA Statement Savings

+$10

per year

0.10% APY

Oct 7, 2026

FDIC InsuredNo MinimumsIn-Person Access

What to Watch

The account is available as a Traditional IRA, a Roth IRA, or a Coverdell Education Savings Account.

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 34422)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteAmerican Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#19

CENTURY HERITAGE

Money Market IRA

+$10

per year

0.10% APY

Oct 7, 2026

Mod. MinimumIn-Person Access

What to Watch

Variable rate. The APY can change at any time.

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	$4,000
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	Check Terms
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Official SiteCENTURY HERITAGE

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#20

MCS Bank

IRA Savings

+$10

per year

0.10% APY

Oct 7, 2026

FDIC InsuredNo MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 28186)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteMCS Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#21

The Bank of Landisburg

IRA Savings

+$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. Deposit	N/A
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 90384)
Eligibility	United 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)

Read Bank Overview

#22

Unity Bank

Money Market IRA

+$10

per year

0.15% APY

Oct 13, 2026

Needs at least $50,000

APY Range: 0.00% – 0.15%

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$1
Min. Balance	$100
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 33503)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

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

Official SiteUnity Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#23

CENTURY HERITAGE

IRA Accumulation Account

+$5

per year

0.05% APY

Oct 7, 2026

Low MinimumsIn-Person Access

What to Watch

Variable rate. The APY can change at any time.

Show Fine Print & Trends

Min. Deposit	$25
Min. Balance	$250
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	Check Terms
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Official SiteCENTURY HERITAGE

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#24

Farmers and Merchants Trust Company of Chambersburg

IRA Savings Account

+$5

per year

0.05% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The account can be opened with a commitment to payroll deductions of at least $20 a month in place of the minimum opening deposit.

Show Fine Print & Trends

Min. Deposit	$250
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 8405)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteFarmers and Merchants Trust Company of Chambersburg

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#25

Penn Community Bank

IRA Statement Savings

+$5

per year

0.05% APY

Oct 5, 2026

FDIC InsuredLow MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	$25
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 30401)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Official SitePenn Community Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#26

The Bank of Princeton

IRA Savings

+$5

per year

0.05% APY

Oct 7, 2026

FDIC InsuredNo MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 58513)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteThe Bank of Princeton

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#27

Washington Financial Bank

IRA Savings

+$5

per year

0.05% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$250
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 29520)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteWashington Financial Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#28

ELLIOTT COMMUNITY

IRA Accumulation Fund

+$4

per year

0.04% APY

Oct 3, 2026

No MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	Check Terms
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Official SiteELLIOTT COMMUNITY

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#29

Embassy Bank for the Lehigh Valley

IRA Savings

+$2

per year

0.02% APY

Oct 7, 2026

FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 57228)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteEmbassy Bank for the Lehigh Valley

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Nationally Available IRA Savings Accounts

The 3 highest-rate ira savings accounts available nationwide, including in Pennsylvania.

Institution	Product / Term	APY	Min. Deposit
nbkc Bank	Personal IRA Savings	2.00%	$0
Synchrony Bank	IRA Money Market Account	2.00%	$0
Carver Bank	Savings Liquit IRA	0.10%	$100

See the full national list