Orrstown Bank CD Rates — October 2026
As of October 22, 2026, Orrstown Bank's highest tracked CD rate is 3.09% APY on a 6-month CD ($500 minimum). That is 2.2 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 1.41% to 3.09% APY.
Tracking began .
Orrstown Bank CD rates
Traditional CDs from 7 days to 120 months, quoted by term range with a $500 minimum balance; the 120-month CD is for burial funds only. IRA CDs and money market accounts on the same page are excluded. Rates are fixed for the term; fees may reduce earnings.
| Term | Product | APY |
|---|---|---|
| 7 days | Traditional CD | 1.51%Verified October 22, 2026 |
| 3 months | Traditional CD | 1.41%Top 76% · $10k reference sampleVerified October 22, 2026 |
| 6 months | Traditional CD | 3.09%Top 63% · $10k reference sampleVerified October 22, 2026 |
| 12 months | Traditional CD | 2.84%Top 76% · $10k reference sampleVerified October 22, 2026 |
| 18 months | Traditional CD | 2.58%Top 79% · $10k reference sampleVerified October 22, 2026 |
| 24 months | Traditional CD | 1.76%Top 84% · $10k reference sampleVerified October 22, 2026 |
| 30 months | Traditional CD | 1.76%Verified October 22, 2026 |
| 36 months | Traditional CD | 1.51%Top 83% · $10k reference sampleVerified October 22, 2026 |
| 42 months | Traditional CD | 1.51%Verified October 22, 2026 |
| 48 months | Traditional CD | 1.51%Top 81% · $10k reference sampleVerified October 22, 2026 |
| 60 months | Traditional CD | 1.51%Top 82% · $10k reference sampleVerified October 22, 2026 |
| 120 months | Traditional CD Special | 1.51%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 Orrstown Bank's best CD rates by term?
Orrstown Bank's best rate is 3.09% APY on 6 months, verified October 22, 2026.
- 7 days1.51%
- 3 mo1.41%
- 6 mo3.09%
- 12 mo2.84%
- 18 mo2.58%
- 24 mo1.76%
- 30 mo1.76%
- 36 mo1.51%
- 42 mo1.51%
- 48 mo1.51%
- 60 mo1.51%
- 120 mo1.51%
How much interest could a Orrstown Bank CD earn?
Estimated interest at maturity for the displayed institution 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.
$153.75 interest · $10,153.75 at maturity on $10,000.00.
3.09% APY · 6 months · Traditional CD · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 7 days | $1.441.51% APY · Traditional CD · Standard | $2.871.51% APY · Traditional CD · Standard | $7.191.51% APY · Traditional CD · Standard | $14.371.51% APY · Traditional CD · Standard |
| 3 months | $17.481.41% APY · Traditional CD · Standard | $34.971.41% APY · Traditional CD · Standard | $87.421.41% APY · Traditional CD · Standard | $174.841.41% APY · Traditional CD · Standard |
| 6 months | $76.873.09% APY · Traditional CD · Standard | $153.753.09% APY · Traditional CD · Standard | $384.373.09% APY · Traditional CD · Standard | $768.743.09% APY · Traditional CD · Standard |
| 12 months | $142.002.84% APY · Traditional CD · Standard | $284.002.84% APY · Traditional CD · Standard | $710.002.84% APY · Traditional CD · Standard | $1,420.002.84% APY · Traditional CD · Standard |
| 18 months | $194.922.58% APY · Traditional CD · Standard | $389.852.58% APY · Traditional CD · Standard | $974.622.58% APY · Traditional CD · Standard | $1,949.242.58% APY · Traditional CD · Standard |
| 24 months | $177.551.76% APY · Traditional CD · Standard | $355.101.76% APY · Traditional CD · Standard | $887.741.76% APY · Traditional CD · Standard | $1,775.491.76% APY · Traditional CD · Standard |
| 30 months | $223.041.76% APY · Traditional CD · Standard | $446.071.76% APY · Traditional CD · Standard | $1,115.191.76% APY · Traditional CD · Standard | $2,230.371.76% APY · Traditional CD · Standard |
| 36 months | $229.941.51% APY · Traditional CD · Standard | $459.871.51% APY · Traditional CD · Standard | $1,149.691.51% APY · Traditional CD · Standard | $2,299.371.51% APY · Traditional CD · Standard |
| 42 months | $269.381.51% APY · Traditional CD · Standard | $538.771.51% APY · Traditional CD · Standard | $1,346.921.51% APY · Traditional CD · Standard | $2,693.841.51% APY · Traditional CD · Standard |
| 48 months | $308.911.51% APY · Traditional CD · Standard | $617.821.51% APY · Traditional CD · Standard | $1,544.551.51% APY · Traditional CD · Standard | $3,089.091.51% APY · Traditional CD · Standard |
| 60 months | $389.071.51% APY · Traditional CD · Standard | $778.151.51% APY · Traditional CD · Standard | $1,945.371.51% APY · Traditional CD · Standard | $3,890.741.51% APY · Traditional CD · Standard |
| 120 months | $808.421.51% APY · Traditional CD · Special | $1,616.851.51% APY · Traditional CD · Special | $4,042.121.51% APY · Traditional CD · Special | $8,084.241.51% APY · Traditional CD · Special |
How Orrstown Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 183-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 146 of 214 tracked institutions with fresh 183-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 |
|---|---|---|---|---|---|
| Orrstown Bank (this institution)Traditional CD · Standard | 6 months | $500 | Coverage: MD, PA | 3.09% | October 22, 2026 |
| Popular DirectCertificate of Deposit · Standard | 6 months | $10,000 | Nationwide; check eligibility | 4.35% | October 22, 2026 |
| NASA Federal Credit UnionShare Certificate - 6 Month · Standard | 6 months | $1,000 | Coverage: DC, MD, VA | 4.30% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Standard | 6 months | Not stated | Nationwide; check eligibility | 4.20% | October 22, 2026 |
| Justice Federal Credit Union (highest tracked APY for this term)6-Month Special Certificate · Relationship | 6 months | $100,000 | Coverage: CA, DC, FL, GA, IL, NY, TX, VA, WV | 5.20% | October 22, 2026 |
| Treasury (APY-equivalent) | 6 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.40% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Orrstown Bank on October 22, 2026.
About Orrstown Bank
- Legal name
- Orrstown Bank
- Regulator ID
- FDIC 713
- Headquarters
- Harrisburg, PA
- Available in
- MD, PA
- Total assets
- $5.6 billion
- Also known as
- Website
- www.orrstown.com
Source: rates read from https://www.orrstown.com/personal/rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Orrstown Bank?
Among the rates we track, 3.09% APY on a 6-month CD, as of October 22, 2026.
What is the minimum deposit for a Orrstown Bank CD?
The lowest minimum we found is $500.
How does Orrstown Bank's best CD rate compare with Treasury yields?
3.09% APY is −1.31% versus the 6-month Treasury yield of 4.40% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.09% a good CD rate?
It is 2.2 times the FDIC national average for a similar term (1.39% 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 Orrstown Bank CDs insured?
Orrstown Bank is an FDIC-insured bank (FDIC 713). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Orrstown Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Orrstown Bank's website and may change at any time. Confirm terms, minimums and eligibility with Orrstown Bank before opening an account. This page is not financial advice.