First Commonwealth Bank CD Rates — October 2026
As of October 22, 2026, First Commonwealth Bank's best CD rate for Pittsburgh, PA is 4.25% APY on a 15-month promotional CD ($10,000 minimum). That is 2.4 times the FDIC national average for 12-month CDs (1.76%). The best rate was 4.25% APY in all 5 cities checked. ZIP codes identify sample cities; these are city/state quotes.
Tracking began .
Rates by location
First Commonwealth Bank prices some CDs by ZIP code. We check one ZIP in each state where it has branches.
| Location | ZIP | Best term | Best APY |
|---|---|---|---|
| Pittsburgh, PA | 15222 | 15 months | 4.25% |
| Indiana, PA | 15701 | 15 months | 4.25% |
| Harrisburg, PA | 17101 | 15 months | 4.25% |
| Columbus, OH | 43215 | 15 months | 4.25% |
| Cincinnati, OH | 45202 | 15 months | 4.25% |
First Commonwealth Bank CD rates in Columbus, OH
Promotional CDs only, quoted separately for five Ohio and Pennsylvania markets. New money required; renewals are excluded. The source describes the short promotion as both 9 months and 270 days; the contractual 270-day term applies. See the source for offer dates and deposit limits.
| Term | Product | APY |
|---|---|---|
| 270 days | 270 Day Certificate of Deposit (CD) Promotional | 4.10%Verified October 22, 2026 |
| 15 months | 15 Month Certificate of Deposit (CD) Promotional | 4.25%Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are First Commonwealth Bank's best CD rates by term?
First Commonwealth Bank's best rate for ZIP 43215 is 4.25% APY on 15 months, verified October 22, 2026.
- 270 days4.10%
- 15 mo4.25%
How much interest could a First Commonwealth Bank CD earn?
Estimated interest at maturity for the displayed ZIP 43215 quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 15 months | Not estimated | $533.744.25% APY · 15 Month Certificate of Deposit (CD) · Promotional | $1,334.364.25% APY · 15 Month Certificate of Deposit (CD) · Promotional | $2,668.714.25% APY · 15 Month Certificate of Deposit (CD) · Promotional |
How First Commonwealth Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 456-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 5 of 22 tracked institutions with fresh 456-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| First Commonwealth Bank (this institution)15 Month Certificate of Deposit (CD) · Promotional | 15 months | $10,000 | Columbus, OH · ZIP 43215 | 4.25% | October 22, 2026 |
| Sallie Mae BankCertificate of Deposit (CD) · Standard | 15 months | $2,500 | Nationwide; check eligibility | 4.50% | October 22, 2026 |
| Synchrony BankCD · Standard | 15 months | Not stated | Nationwide; check eligibility | 4.30% | October 22, 2026 |
| PenFed Credit UnionMoney Market Certificate · Standard | 15 months | $1,000 | Nationwide; check eligibility | 3.20% | October 22, 2026 |
| Community First Credit Union (highest tracked APY for this term)CD Special: Pick Your Term · Promotional | 15 months | $5,000 | Coverage: WI | 5.05% | October 22, 2026 |
| Treasury (APY-equivalent) | 15 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.65% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking First Commonwealth Bank on October 22, 2026.
About First Commonwealth Bank
- Legal name
- First Commonwealth Bank
- Regulator ID
- FDIC 7468
- Headquarters
- Indiana, PA
- Available in
- OH, PA
- Total assets
- $12.2 billion
- Also known as
- Website
- www.fcbanking.com
Source: rates read from https://www.fcbanking.com/resources/rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at First Commonwealth Bank?
Among the rates we track, 4.25% APY on a 15-month promotional CD for ZIP 15222, as of October 22, 2026.
What is the minimum deposit for a First Commonwealth Bank CD?
The lowest minimum we found is $10,000.
Do First Commonwealth Bank CD rates depend on where you live?
Rates may depend on location. The best rate was 4.25% APY in all 5 cities checked. TD selects quotes by city and state; ZIP codes identify sample cities.
How does First Commonwealth Bank's best CD rate compare with Treasury yields?
4.25% APY is −0.40% versus the 15-month Treasury yield of 4.65% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.25% a good CD rate?
It is 2.4 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are First Commonwealth Bank CDs insured?
First Commonwealth Bank is an FDIC-insured bank (FDIC 7468). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check First Commonwealth Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from First Commonwealth Bank's website and may change at any time. Confirm terms, minimums and eligibility with First Commonwealth Bank before opening an account. This page is not financial advice.