--- title: Best Banks and Credit Unions in Pennsylvania for 2025 description: Money looked at dozens of financial institutions to find the best banks and credit unions in Pennsylvania. editors: - name: Jordan Chussler role: Editor, Investing and Banking url: https://money.com/author/jordan-chussler/ bio: Jordan is an investment editor who specializes in topics ranging from traditional equities, retirement savings and income investing to alternative assets and commodities, specifically focusing on gold and other precious metals. He combines his personal interests and professional experience in finance and education to help readers increase their financial literacy and make better investment choices. Jordan is a Certified Personal Finance Counselor. education: Lynn University certifications: Certified Personal Finance Counselor at_money_since: 2023 articles: 131 covers: - Banking - Credit - Credit Cards - Economy and Politics - Housing - Identity Theft - Insurance - Investing - Loans - Mortgages - Personal Finance - Professional Services - Retirement also_seen_in: - Weiss Ratings - 24/7 Wall Street - Better Investing - Yahoo Finance - Nasdaq - Investing.com - Marketbeat - MSN Money social: - https://www.linkedin.com/in/jordan-chussler-b3597811/ published: '2024-10-08T15:07:37.000Z' modified: '2024-12-26T14:41:59.000Z' section: Banking tags: - Best - Best Banks 2024-2025 word_count: 774 canonical: https://money.com/best-banks-and-credit-unions-pennsylvania/ type: Article source: structured-blocks --- > **Disclosure:** We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. [Learn more](https://money.com/page/disclaimer/). ![Illustration of the state of PA](https://img.money.com/2024/09/Best-Banks-2024-Ranking-States-PA.jpg) ## Our Partners ### TOP PARTNER ![View Rates](https://s3.consumersadvocate.org/prd/image/image/19227/medium_5c3a0d96-3da5-45d8-8e99-d58f043e9433.png) Our Partner [View Rates](https://money.com/go/b316bd5422f8?ap_referrer=%2Fbest-banks-and-credit-unions-pennsylvania%2F&bidid=4079605329&ptid=667294893&ptoken=19f1ee8356e7ac62a42e7b60bfa50b8e&zip=20149) **Earn up to 3.10% APY\* & up to $50 or $400 with direct deposit\*** - Limited Time Offer - +0.90% Boost on Savings APY to up to 4.00% for up to 6 months on new accounts. Terms apply.8 - $0 min. balance to earn APY - Open Checking & Savings Accounts with 1 Sign Up - Up to 2-Day-Early Paycheck3 - Access additional FDIC insurance up to $3M on deposits4 - No Account Fees5 & No-fee Overdraft Coverage6 \*Terms Apply **\[AFFILIATE LINK: Open SoFi Account Today\]** * * * ![View Rates](https://s3.consumersadvocate.org/prd/image/image/7510/medium_8a6feaaf-bb2a-4668-a20d-603241767f86.png) Our Partner [View Rates](https://money.com/go/381ee4723fab?ap_referrer=%2Fbest-banks-and-credit-unions-pennsylvania%2F&bidid=4079605328&ptid=667294893&ptoken=797c28f97a343d069bae912f7ba981e9&zip=20149) **Earn up to 3.65% APY\* on qualifying balances with a Barclays' Tiered Savings account** - $200 Bonus with qualifying activities. Terms Apply. - No monthly maintenance fees - Easy direct deposits & online transfers - Member FDIC \*Rate as of 6/24/2026 **\[AFFILIATE LINK: View Barclays Offer\]** * * * ![View Rates](https://s3.consumersadvocate.org/prd/image/image/38558/medium_9a7de13e-ef66-4a9d-9afd-0d742334c0be.webp) Our Partner [View Rates](https://money.com/go/ba43f1aca7a2?ap_referrer=%2Fbest-banks-and-credit-unions-pennsylvania%2F&bidid=4079605331&ptid=667294893&ptoken=7084c11b5481da800941f7a7a7963156&zip=20149) **Earn 4.10% APY\* for 6 months with $5k min. balance** - $5,000 min. balance to earn top APY - $100 minimum deposit to open an account - No account opening or monthly service fees - Member FDIC \*Boosted rate for 6 months; 3.75% APY after. Enter promo code CITBOOST for APY bonus. Rate as of 07/01/2026. **\[AFFILIATE LINK: View CIT Bank Offer\]** * * * ![View Rates](https://s3.consumersadvocate.org/prd/image/image/35396/medium_03f248f6-d7f4-4da6-8f13-322fce5d1be2.webp) Our Partner [View Rates](https://money.com/go/9c0decf6bcb8?ap_referrer=%2Fbest-banks-and-credit-unions-pennsylvania%2F&bidid=4079605334&ptid=667294893&ptoken=4aa19a6ab738e494d89972ca513aba7f&zip=20149) **Earn 3.80% APY\* with an Openbank High Yield Savings account** - $500 minimum opening deposit - Keep more of your money with no fees - Trusted device security with quick face or fingerprint login - Member FDIC, Santander Bank, N.A. \*Rate as of 8/24/2026 **\[AFFILIATE LINK: View Openbank Offer\]** The Keystone State is one of the largest states in the country based on its population. As a result, there is a vast variety of financial institutions operating within the state — approximately 150 banks and credit unions in operation as of 2024. Money researched account offerings, annual percentage yields (APYs) and fees of leading institutions to determine the best banks and credit unions in Pennsylvania for 2024-2025: - [**PNC**](#pnc) - Best Overall - [****Fulton Bank****](#fulton) - Best Customer Satisfaction - [****Huntington Bank****](#huntington) - Best for Money Market Accounts - [****M&T Bank****](#mtb) - Best for Checking Accounts - [****Pennsylvania State Employees Credit Union****](#psecu) - Best Credit Union \**Rates and APYs are subject to change. All information provided was accurate as of Oct. 8, 2024.* ## Open a High-Yield Savings Account today and start earning interest ### Take advantage of an FDIC insured, High-Yield Savings Account from SoFi®. Click on your state and find out more. [View Rates](https://money.com/pr/b6d40efa5682?ap_referrer=%2Fbest-banks-and-credit-unions-pennsylvania%2F) ## Best Overall: PNC ![](https://s3.consumersadvocate.org/prd/image/image/8109/large_334c78a9-8089-450d-af68-0348d02e39eb.png) [View Rates](https://money.com/pr/bab7a5e5c897?ap_referrer=%2Fbest-banks-and-credit-unions-pennsylvania%2F&url=) With its headquarters in Pittsburgh and 250 branches in the Keystone State, [PNC](https://money.com/pr/yff9267a6af4?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-banks-and-credit-unions-pennsylvania%252F) offers Pennsylvanians a variety of deposit accounts with low fees and deposit minimums, and customers can benefit from the bank's promotional APYs on CDs to grow their money. PNC Bank is highly rated for customer service; J.D. Power ranked PNC third out of 15 banks for the state in the J.D. Power U.S. Retail Banking Satisfaction Study. The downside? PNC's rates tend to be on the lower end for its savings accounts, and rates vary by ZIP code, so not everyone will qualify for its best rates. **Pros** - Higher-than-average APYs for CDs - Broad branch and ATM access - High customer satisfaction ratings **Cons** - Relatively low APY on savings accounts - Rates vary by ZIP code ## Best Customer Satisfaction: Fulton Bank ![](https://s3.consumersadvocate.org/prd/image/image/25779/large_61bc4d1a-4fac-4aa9-8325-91b75ca951a7.png) [View Rates](https://money.com/pr/ua91f78b9f02?ap_referrer=%2Fbest-banks-and-credit-unions-pennsylvania%2F&url=) For those who prefer building a relationship with a local bank, [Fulton Bank](https://money.com/pr/x1168b137100?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-banks-and-credit-unions-pennsylvania%252F) is a good choice. It has hundreds of branches in Pennsylvania and offers a variety of customer support options, including in-person appointments, secure messaging and phone. It also has a powerful mobile app you can use to manage your money. The bank has several account options, including interest-bearing checking accounts, and a relatively rare rewards program that allows you to earn rewards on debit card purchases. Although Fulton Bank has a strong presence in the state, it recently announced it was closing several branches, so it may not be as accessible in Pennsylvania as it once was. **Pros** - Hundreds of branches in Pennsylvania - Offers rewards on checking accounts - Powerful mobile app **Cons** - Recently announced the closure of some branches - Money market accounts have high deposit requirements ## Best for Money Market Accounts: Huntington Bank ![](https://s3.consumersadvocate.org/prd/image/image/25778/large_05ec63d4-6c1c-4fe4-8d88-225b9e50a019.png) [View Rates](https://money.com/pr/qcda6a7a7405?ap_referrer=%2Fbest-banks-and-credit-unions-pennsylvania%2F&url=) When it comes to money market accounts — a useful tool for building your savings — [Huntington Bank](https://money.com/pr/h65451fcdb24?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-banks-and-credit-unions-pennsylvania%252F) offers accounts with significantly higher-than-usual APYs. Additionally, as long as you have a Huntington Bank checking account, there is no monthly fee. The bank operates physical branches in Pennsylvania, and it's the top-rated bank for customer satisfaction for the state in the J.D. Power U.S. Retail Banking Satisfaction Study. You must have a Huntington Bank checking account to qualify for a money market account, and the account only earns the higher APY once you reach a balance of $25,000 or more. **Pros** - No monthly fees - Much higher-than-usual APYs on money market accounts - Top-ranked for customer satisfaction **Cons** - Must have a Huntington Bank checking account - Only earns interest if you maintain a balance of $25,000 ## Best for Checking Accounts: M&T Bank ![](https://s3.consumersadvocate.org/prd/image/image/18655/large_897cbb00-dfd7-46f5-bb05-d03181e56531.png) [View Rates](https://money.com/pr/ufe1be2d50c5?ap_referrer=%2Fbest-banks-and-credit-unions-pennsylvania%2F&url=) With many banks, there's a fee to have a checking account. Even if a bank offers monthly fee waivers, you have to meet balance or deposit requirements to qualify. By contrast, [M&T Bank](https://money.com/pr/ddef5141f2ae?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-banks-and-credit-unions-pennsylvania%252F) offers completely free checking options without any fees or balance requirements. M&T Bank operates hundreds of branches, and it has a broad ATM network, making it easy to access your money when you need it. However, M&T Bank has limited CD terms, and it doesn't disclose its APYs online for its savings accounts or CDs. **Pros** - Checking accounts without monthly fees or balance requirements - Extensive branch and ATM network - Low opening deposit requirement **Cons** - Limited CD terms - Doesn't disclose APYs online ## Best Credit Union: Pennsylvania State Employees Credit Union ![](https://s3.consumersadvocate.org/prd/image/image/22076/large_889f9c53-ac8e-4401-a1d4-c2fc9c021a06.webp) [View Rates](https://money.com/pr/n32e17278470?ap_referrer=%2Fbest-banks-and-credit-unions-pennsylvania%2F&url=) [Pennsylvania State Employees Credit Union](https://money.com/pr/nbfa2a279c3a?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-banks-and-credit-unions-pennsylvania%252F), or PSECU, is a state-charted credit union in Pennsylvania offering bank accounts with low fees and higher-than-average APYs on some accounts. With its low-cost checking account, you can even earn cash back rewards on debit card purchases. With PSECU, you can earn interest on your checking account balance, and it offers substantially higher-than-average rates on share certificates — the credit union version of a CD — for certain terms. Unfortunately, not everyone is eligible for PSECU membership. To qualify, you must work for a Pennsylvania college or university, work for a partnering employer or be related to a current member. There is a workaround; you can join if you become a member of the Pennsylvania Recreation and Parks Society or the Pennsylvania Consumer Council, but becoming a member of those organizations may require an additional fee. **Pros** - Cash back rewards on debit purchases - Interest-bearing checking - High APYs on share certificates **Cons** - Relatively low APYs on savings accounts - Not everyone qualifies for membership ## Compare Savings Accounts rates today ### Up to 2-day-early paycheck ![Sign Up](https://s3.consumersadvocate.org/prd/image/image/19227/medium_5c3a0d96-3da5-45d8-8e99-d58f043e9433.png) Our Partner [Sign Up](https://money.com/go/92f97065e2e8?bidid=4079605364&pmeta=p129-c561-u25621&ptid=667294898&ptoken=fece8b44d491b115f78dca56c36ae7f4) ### No monthly maintenance fees ![Sign Up](https://s3.consumersadvocate.org/prd/image/image/7510/medium_8a6feaaf-bb2a-4668-a20d-603241767f86.png) Our Partner [Sign Up](https://money.com/go/37d91e7573d2?bidid=4079605361&pmeta=p129-c561-u25621&ptid=667294898&ptoken=cd34764be7259abd91082ae95d2208a8) ### Open an account in 5 minutes ![Sign Up](https://s3.consumersadvocate.org/prd/image/image/38558/medium_9a7de13e-ef66-4a9d-9afd-0d742334c0be.webp) Our Partner [Sign Up](https://money.com/go/e661ac4c30ec?bidid=4079605366&pmeta=p129-c561-u25621&ptid=667294898&ptoken=361012b6f6802d1eb48182c2c5b83645) ### $500 minimum opening deposit ![Sign Up](https://s3.consumersadvocate.org/prd/image/image/35396/medium_03f248f6-d7f4-4da6-8f13-322fce5d1be2.webp) Our Partner [Sign Up](https://money.com/go/3a86521e3ff1?bidid=4079605368&pmeta=p129-c561-u25621&ptid=667294898&ptoken=af099c6f5aac0244fa8101576e691226) ## How we chose the Best Banks of 2024-2025 To determine our list of best banks for 2024-2025, Money evaluated hundreds of the largest retail banks, credit unions, regional and state banks and online banks ranked by assets. We then compared opening balance requirements, interest paid, fees and features to determine our top picks. The best banks and credit unions in Pennsylvania were selected based on the account options they offer, their APYs, minimum deposit requirements, fees and customer satisfaction ratings. We prioritized banks with a broad network of branches and ATMs, and multiple customer service contact options. 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