Bank · FDIC insured
First Shore Federal CD Rates
Top CarrotFirst Shore Federal’s best CD rate is 4.25% APY on a 3-year CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How First Shore Federal’s CD rates compare
Compared with banks and credit unions near Ocean Pines, MD, where First Shore Federal has the most branches. $10,000, best rate first.
This bank’s best
First Shore Federal
4.25%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,330
Regular CD
Top rate
First Financial Federal Credit Union
5.00%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $289
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $317
First Shore Federal CD score
88
CD score
Higher than 80% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo4.25%
- QualifiedQualified4.25%
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 First Shore Federal 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.
Regular CD
Up to 4.25%APY · 8 terms
FDIC-insured. Minimum opening balance $500. Automatically renews. Interest credited quarterly. Non-IRA certificates may be pledged as collateral for a share loan. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsQuarterly compounding. Early withdrawal penalty may apply | 2.00% | $50 |
| 6 monthsQuarterly compounding. Early withdrawal penalty may apply | 3.00% | $149 |
| 12 monthsQuarterly compounding. Early withdrawal penalty may apply | 3.75% | $375 |
| 18 monthsQuarterly compounding. Early withdrawal penalty may apply | 3.25% | $491 |
| 24 monthsQuarterly compounding. Early withdrawal penalty may apply | 4.00% | $816 |
| 36 monthsQuarterly compounding. Early withdrawal penalty may apply | 4.25% | $1,330 |
| 48 monthsQuarterly compounding. Early withdrawal penalty may apply | 3.75% | $1,587 |
| 60 monthsQuarterly compounding. Early withdrawal penalty may apply | 3.75% | $2,021 |
Sources (2)
All captured Oct 22, 2026
Rising Rate CD
Up to 3.75%APY · 3 terms
Offers the option of increasing the interest rate once during the term to the current interest rate being offered at that time. Interest credited quarterly. Early withdrawal penalty may apply. Rates may change after account opening.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsOption of increasing interest rate once during term to current interest rate offered at that time. Rates may change after account opening. Early withdrawal penalty may apply | 3.00% | $453 |
| 24 monthsOption of increasing interest rate once during term to current interest rate offered at that time. Rates may change after account opening. Early withdrawal penalty may apply | 3.75% | $764 |
| 60 monthsOption of increasing interest rate once during term to current interest rate offered at that time. Rates may change after account opening. Early withdrawal penalty may apply | 3.50% | $1,877 |
Sources (2)
All captured Oct 22, 2026
"Add To" CD
2.00%APY · 1 term
Additional deposits may be made anytime during the Add-To CD's term. Early withdrawal penalty may be imposed. Not available for IRAs.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAdditional deposits may be made anytime during your Add-To CD's term. Early withdrawal penalty may be imposed | 2.00% | $200 |
Sources (1)
- firstshorefederal.com/rates-and-fees · captured Oct 22, 2026
Freedom CD
2.00%APY · 1 term
Offers one penalty-free withdrawal of principal and interest during the term. Penalty may be imposed for additional early withdrawals. Interest credited quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 10 monthsA one-time, penalty-free withdrawal may be made during the term. Penalty may be imposed for additional early withdrawals | 2.00% | $166 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
Regular IRA CD
Up to 4.25%APY · 8 terms
Traditional and Roth IRA certificates available. Minimum opening balance $250. Interest credited quarterly. Early withdrawal penalty may apply. IRA Custodial Fee is No Charge. Outgoing IRA transfer fee $25.00.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsQuarterly compounding. Early withdrawal penalty may apply | 2.00% | $50 |
| 6 monthsTerm 6 Months | 3.00% | $149 |
| 12 monthsTerm 12 Months | 3.75% | $375 |
| 18 monthsTerm 18 Months | 3.25% | $491 |
| 24 monthsTerm 24 Months | 4.00% | $816 |
| 36 monthsTerm 36 Months | 4.25% | $1,330 |
| 48 monthsTerm 48 Months | 3.75% | $1,587 |
| 60 monthsTerm 60 Months | 3.75% | $2,021 |
Sources (2)
All captured Oct 22, 2026
Rising Rate IRA CD
Up to 3.75%APY · 3 terms
Traditional and Roth plans available. Offers the option of increasing the interest rate once during the term to the current interest rate being offered at that time. Early withdrawal penalty may apply. Rates may change after account opening. IRA Custodial Fee is No Charge. Outgoing IRA transfer fee $25.00.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsOption of increasing interest rate once during term to current interest rate offered at that time. Rates may change after account opening. Early withdrawal penalty may apply | 3.00% | $453 |
| 24 monthsOption of increasing interest rate once during term to current interest rate offered at that time. Rates may change after account opening. Early withdrawal penalty may apply | 3.75% | $764 |
| 60 monthsOption of increasing interest rate once during term to current interest rate offered at that time. Rates may change after account opening. Early withdrawal penalty may apply | 3.50% | $1,877 |
Sources (2)
All captured Oct 22, 2026
Freedom IRA CD
2.00%APY · 1 term
Traditional and Roth plans available. Offers one penalty-free withdrawal of principal and interest during the term. Penalty may be imposed for additional early withdrawals. IRA Custodial Fee is No Charge. Outgoing IRA transfer fee $25.00.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 10 monthsA one-time, penalty-free withdrawal may be made during the term. Penalty may be imposed for additional early withdrawals | 2.00% | $166 |
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.