Bank · FDIC insured
Harford Bank CD Rates
Harford Bank’s best CD rate is 4.10% APY on a 13-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Harford Bank’s CD rates compare
Compared with banks and credit unions near Baltimore, MD, where Harford Bank has the most branches. $10,000, best rate first.
This bank’s best
Harford Bank
4.10%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $445
Certificates 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
Harford Bank CD score
84
CD score
Higher than 65% of U.S. banks and credit unions
- 3–8 months3–8 mo3.70%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo2.85%
- QualifiedQualified4.10%
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 Harford 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.
Certificates of Deposit
Up to 4.10%APY · 15 terms
Minimum deposit $1,000. Early withdrawal penalty may apply. Step-Up CDs allow one rate adjustment during term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.55% | $89 |
| 6 months | 3.70% | $183 |
| 9 months | 3.35% | $250 |
| 12 months | 3.45% | $345 |
| 13 months | 4.10% | $445 |
| 15 months | 3.75% | $471 |
| 18 months | 3.25% | $491 |
| 21 monthsPenalty free; new money only; Harford Bank DDA required | 3.50% | $621 |
| 21 monthsPenalty free; opened with money already on deposit with Harford Bank; Harford Bank DDA required | 3.15% | $558 |
| 23 monthsStep-Up option: option to change interest rate one time during term to current rate for Step-up CD accounts | 2.75% | $534 |
| 24 months | 3.00% | $609 |
| 30 months | 2.40% | $611 |
| 36 months | 2.55% | $785 |
| 42 months | 2.75% | $996 |
| 48 monthsStep-Up option: option to change interest rate one time during term to current rate for Step-up CD accounts | 2.75% | $1,146 |
| 60 months | 2.85% | $1,509 |
Sources (1)
- harfordbank.com/Personal/Checking/Interest-Rates · captured Oct 22, 2026
Special-purpose accounts
IRA Certificates of Deposit
Up to 4.10%APY · 12 terms
Applies to Traditional IRA, Roth IRA, or Coverdell Educational Savings Account. Minimum deposit $250. Early withdrawal penalty may apply. Step-Up CDs allow one rate adjustment during term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.70% | $183 |
| 9 months | 3.35% | $250 |
| 12 months | 3.45% | $345 |
| 13 months | 4.10% | $445 |
| 15 months | 3.75% | $471 |
| 18 months | 3.25% | $491 |
| 23 monthsStep-Up option: option to change interest rate one time during term to current rate for Step-up CD accounts | 2.75% | $534 |
| 24 months | 3.00% | $609 |
| 30 months | 2.40% | $611 |
| 36 months | 2.55% | $785 |
| 48 monthsStep-Up option: option to change interest rate one time during term to current rate for Step-up CD accounts | 2.75% | $1,146 |
| 60 months | 2.85% | $1,509 |
Sources (1)
- harfordbank.com/Personal/Checking/Interest-Rates · 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.