Bank · FDIC insured
Eastern Savings Bank CD Rates
Eastern Savings Bank’s best CD rate is 4.00% APY on a 7-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Eastern Savings Bank’s CD rates compare
Compared with banks and credit unions near Baltimore, MD, where Eastern Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Eastern Savings Bank
4.00%APY
- Term
- 7 months
- Minimum
- $10,000
- Earns on $10,000
- $231
7-Month CD Special
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
Eastern Savings Bank CD score
69
CD score
Higher than 23% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo0.15%
- 16–30 months16–30 mo0.20%
- 31–60 months31–60 mo0.40%
- QualifiedQualified4.00%
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 Eastern Savings 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.
7-Month CD Special
4.00%APY · 1 term
Limited-time promotional offer. Requires opening balance of $10,000 or more in NEW MONEY (funds not already on deposit at Eastern Savings Bank). Automatically renews upon maturity to a new 12-month term at the applicable rate at the time of renewal. Penalty imposed for early withdrawal. Banner advertises 4.00% APY while footnote states 3.75% APY (3.68% interest rate) as of August 27, 2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsRequires new deposit / opening balance of $10,000 or more in new money (funds not already on deposit at Eastern Savings Bank). Automatically renews upon maturity to a new 12-month term at the applicable rate at renewal. Early withdrawal penalty applies. Headline states 4.00% APY | 4.00% | $231 |
Sources (2)
All captured Oct 4, 2026
Consumer Certificate (CD)
Up to 0.40%APY · 9 terms
The rate is fixed for the term of the certificate. An early withdrawal penalty may be imposed. Fees may reduce earnings. Automatic renewals at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsCompounding frequency: Daily | 0.05% | $1 |
| 6 monthsCompounding frequency: Daily | 0.07% | $3 |
| 12 monthsCompounding frequency: Daily | 0.15% | $15 |
| 18 monthsCompounding frequency: Daily | 0.15% | $23 |
| 24 monthsCompounding frequency: Monthly | 0.20% | $40 |
| 30 monthsCompounding frequency: Monthly | 0.20% | $50 |
| 36 monthsCompounding frequency: Monthly | 0.25% | $75 |
| 48 monthsCompounding frequency: Monthly | 0.35% | $141 |
| 60 monthsCompounding frequency: Monthly | 0.40% | $202 |
Sources (2)
All captured Oct 4, 2026
Consumer Jumbo Certificate (CD)
Up to 0.40%APY · 9 terms
The rate is fixed for the term of the certificate. An early withdrawal penalty may be imposed. Fees may reduce earnings. Automatic renewals at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsCompounding frequency: Daily | 0.05% | — |
| 6 monthsCompounding frequency: Daily | 0.07% | — |
| 12 monthsCompounding frequency: Daily | 0.15% | — |
| 18 monthsCompounding frequency: Daily | 0.15% | — |
| 24 monthsCompounding frequency: Monthly | 0.20% | — |
| 30 monthsCompounding frequency: Monthly | 0.20% | — |
| 36 monthsCompounding frequency: Monthly | 0.25% | — |
| 48 monthsCompounding frequency: Monthly | 0.35% | — |
| 60 monthsCompounding frequency: Monthly | 0.40% | — |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
Special Retirement Account (IRA CD)
0.15%APY · 1 term
The minimum balance required to open and obtain the stated annual percentage yield (APY) for the Special Retirement IRA is $100. The rate is fixed for the term of the certificate. An early withdrawal penalty may be imposed. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsCompounding frequency: Annually | 0.15% | $23 |
Sources (2)
All captured Oct 4, 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.