Compare Bank & Credit Union Rates
Best CD rates in Frederick, MD
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Frederick, MD
- 4.40%APY$403 over 11 months on $10,000
Requirements
Product: Must be at least 18 years old and a U.S. citizen or lawful permanent resident with a U.S. physical address. CD account balance may not exceed $1,000,000. Early withdrawal penalties apply (3 months interest for terms <= 12 months, 6 months interest for terms > 12 months).
4.31% interest rate · Balance cap $1,000,000 · Effective Oct 16, 2026
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 4 branches
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 4.15%APY$450 over 13 months on $10,000intro rate
Requirements
Product: $1,000 minimum opening deposit. After account opening, there is no minimum balance requirement to obtain the disclosed APY. At maturity, automatically renews to the Standard CD term (3, 6, or 12 months) closest to but not greater than the special term at the applicable standard rate. Early withdrawal penalties and fees may reduce earnings. Rates may vary by location.
Offer: Renews to Standard CD 12 Month (1 Year) term upon maturity.
Promotional rate · 4.08% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.10%APY$237 over 7 months on $10,000intro rate
Requirements
Product: New money is required (funds not currently held by Presidential Bank from an external source). Early withdrawal penalty applies. Interest compounded and credited at maturity for terms less than 1 year. Fixed rate.
Offer: New money only (funds not currently held by Presidential Bank from an external source). Fixed rate for term. Penalty for early withdrawal: 3 months interest. 7 calendar days grace period. Automatically renews at maturity if not withdrawn.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance
Credit union · 2 branches
4.10%APY$621 over 18 months on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.10% $20,000 and up 4.10% $100,000 and up 4.15% Rate checked
More details - 4.05%APY$439 over 13 months on $10,000intro rate
Requirements
Product: New money is required (funds not currently held by Presidential Bank from an external source). Early withdrawal penalty applies. Interest compounded and credited monthly for terms 1 year or more. Fixed rate.
Offer: New money only (funds not currently held by Presidential Bank from an external source). Fixed rate for term. Penalty for early withdrawal: 6 months interest. 7 calendar days grace period. Automatically renews at maturity if not withdrawn.
Promotional rate · Effective Oct 1, 2026
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More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Offer: You can add money any time until maturity. No maximum balance.
3.92% interest rate · Effective Oct 22, 2026
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More details - 3.85%APY$191 over 6 months on $10,000
Requirements
Product: Fixed rate for term. Penalty for early withdrawal: 3 months interest. 7 calendar days grace period. Interest compounded and credited at maturity.
Offer: Fixed rate for term. Penalty for early withdrawal: 3 months interest. 7 calendar days grace period. Interest compounded and credited at maturity. Term is 182 days (~6 months).
Effective Oct 1, 2026
Rate checked
More details - 3.85%APY$287 over 9 months on $10,000
Requirements
Product: Fixed rate for term. Penalty for early withdrawal: 4 months interest. 7 calendar days grace period. Interest compounded and credited at maturity.
Offer: Fixed rate for term. Penalty for early withdrawal: 4 months interest. 7 calendar days grace period. Interest compounded and credited at maturity.
Effective Oct 1, 2026
Rate checked
More details - 3.85%APY$583 over 18 months on $10,000with conditions
Requirements
Product: Requires an eligible/qualifying M&T Bank checking account (such as MyChoice Premium Checking, M&T Select, M&T Select With Interest, Power Checking, or Advantage Checking). Maximum deposit is $1,000,000 per account ($750,000 if opened online). Minimum balance to obtain APY is $1.00. Early withdrawal penalties apply.
Offer: Requires a qualifying checking account. Maximum deposit is $1,000,000 ($750,000 if opened online). Minimum balance to obtain APY is $1.00.
Qualified rate · 3.78% interest rate · Balance cap $1,000,000 · Effective Jul 30, 2026
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - 3.75%APY$1,168 over 36 months on $10,000
Requirements
Product: Dividends compounded and credited monthly. Penalty may be imposed for early withdrawal on certificate accounts. Fees could reduce earnings.
3.69% interest rate · Effective Oct 8, 2026
Rate checked
More details - 3.50%APY$712 over 24 months on $10,000
Requirements
Product: Fixed rate for term. Penalty for early withdrawal: 12 months interest. 7 calendar days grace period. Interest compounded and credited monthly.
Offer: Fixed rate for term. Penalty for early withdrawal: 12 months interest. 7 calendar days grace period. Interest compounded and credited monthly.
Effective Oct 1, 2026
Rate checked
More details - 3.25%APY$1,007 over 36 months on $10,000
Requirements
Product: Fixed rate for term. Penalty for early withdrawal: 18 months interest. 7 calendar days grace period. Interest compounded and credited monthly.
Offer: Fixed rate for term. Penalty for early withdrawal: 18 months interest. 7 calendar days grace period. Interest compounded and credited monthly.
Effective Oct 1, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Frederick, MD
112 CDs at 9 banks and credit unions · checked Oct 4–22
- Typical
- 2.88%
- Top 10% from
- 4.00%
- Banks, typical
- 2.50%
- Credit unions, typical
- 3.65%
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Washington, DC-VA-MD-WV metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Educational Systems Federal Credit UnionCredit union · 9 branches
- Hanscom Federal Credit UnionCredit union · 1 branch
- Tower Federal Credit UnionCredit union · 2 branches