Bank · FDIC insured
The Harbor Bank of Maryland CD Rates
A $383.2M bank headquartered in Baltimore, MD, with 7 branches in Maryland.
How The Harbor Bank of Maryland’s CD rates compare
Compared with banks and credit unions near Baltimore, MD, where The Harbor Bank of Maryland has the most branches. $10,000, best rate first.
This bank’s best
The Harbor Bank of Maryland
3.04%APY
- Term
- 24–29 months
- Minimum
- $1,000
- Earns on $10,000
- —
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
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 3.04%APY · 10 terms
Flexible terms ranging from 7 days to 10 years. A penalty may be imposed for withdrawals processed prior to maturity. FDIC insured up to $250,000; CDs over $250,000 are CDARS.
| Term | APY · $100 and up | APY · $500 and up | APY · $1,000 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| Unknown–1 monthsMaturity: 07 - 31 Days | — | — | — | 0.03% | 0.03% | $0 |
| Unknown–5 monthsMaturity: 32 days to 5 Months | — | 0.25% | — | — | 0.25% | $0 |
| 6–11 monthsMaturity: 06 - 11 Months | — | 0.25% | — | — | 0.25% | $12 |
| 12–17 monthsMaturity: 12 - 17 Months | — | 0.75% | — | — | 0.75% | $75 |
| 18–23 monthsMaturity: 18 - 23 Months | — | 0.75% | — | — | 0.75% | $113 |
| 24–29 monthsMaturity: 24 - 29 Months | 1.01% | — | — | — | 1.01% | $203 |
| 24–29 monthsPromotional rate for limited time. New money only. Maturity: 24 - 29 Months Promotional Rate | — | — | 3.04% | — | 3.04% | $617 |
| 30–35 monthsMaturity: 30 - 35 Months | 0.75% | — | — | — | 0.75% | $189 |
| 36–41 monthsMaturity: 36 - 41 Months | 0.50% | — | — | — | 0.50% | $151 |
| 42–59 monthsMaturity: 42 - 59 Months | 0.60% | — | — | — | 0.60% | $212 |
| 60–120 monthsMaturity: 60 - 120 Months | 0.75% | — | — | — | 0.75% | $381 |
Sources (3)
- theharborbank.com/Personal-Banking/Personal-Savings
- theharborbank.com/personal-Banking/personal-savings
- theharborbank.com/Personal-Banking
All captured Sep 19, 2026
Special-purpose accounts
Individual Retirement Accounts (IRA)
Up to 1.01%APY · 5 terms
A penalty may be imposed for withdrawals made before maturity. Retirement accounts are separately insured up to $250,000.00.
| Term | APY · $100 and up | APY · $1,000 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 months | — | 0.50% | — | 0.50% | $50 |
| 18 months18 Months Variable | 0.17% | — | — | 0.17% | $26 |
| 24 months | — | 0.50% | — | 0.50% | $100 |
| 30 months | — | — | 0.50% | 0.50% | $125 |
| 60 months5 Years Fixed | 1.01% | — | — | 1.01% | $515 |
Sources (2)
All captured Sep 19, 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.