Bank · FDIC insured
BayVanguard Bank CD Rates
BayVanguard Bank’s best CD rate is 2.53% APY on a 5-year CD. Terms run from 4 months to 5 years. Rates checked October 22, 2026.
How BayVanguard Bank’s CD rates compare
Compared with banks and credit unions near Baltimore, MD, where BayVanguard Bank has the most branches. $10,000, best rate first.
This bank’s best
BayVanguard Bank
2.53%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $1,331
Certificate of Deposit
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
POCU of Maryland
5.12%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $382
BayVanguard Bank CD score
64
CD score
Higher than 11% of U.S. banks and credit unions
- 3–8 months3–8 mo1.51%
- 9–15 months9–15 mo1.51%
- 16–30 months16–30 mo2.02%
- 31–60 months31–60 mo2.53%
- QualifiedQualified2.53%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where BayVanguard Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 2.53%APY · 7 terms
A minimum deposit of $1,000.00 is required to open and credit interest. The following conditions apply: Interest is compounded daily and credited monthly Terms from 4 to 60 months available with automatic renewal Interest is at a fixed rate during the term of the certificate. Penalty may be imposed on early withdrawal of Certificate of Deposit. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4–6 months | 1.51% | $50 |
| 7–12 months | 1.51% | $88 |
| 13–24 months | 1.51% | $164 |
| 25–42 months | 2.02% | $425 |
| 36 months36 month Bump-Up with 1 bump-up interest rate permitted during the term | 2.02% | $618 |
| 43–59 months | 2.02% | $743 |
| 60 months | 2.53% | $1,331 |
Sources (2)
All captured Oct 22, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.