Compare Bank & Credit Union Rates
Best CD rates in Potomac, MD
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Potomac, MD
- 4.45%APY$445 over 1 year on $10,000
Requirements
Product: Interest is compounded daily and credited periodically. Penalty for early withdrawal may reduce earnings. APY assumes interest remains on deposit until maturity date. Fixed rate paid for the full term.
4.35% interest rate · Compounded daily · Effective Sep 24, 2026
Rate checked
More details - 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
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More details - 4.25%APY$425 over 1 year on $10,000
4.16% interest rate
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More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 2 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
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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 - Lafayette Federal Credit UnionFixed-Rate CertificatesCD · 7 months · $500 min
Credit union · 1 branch
3.76%APY$218 over 7 months on $10,000Requirements
Product: Must establish membership with Lafayette Federal Credit Union, or be an existing member. Certificates will automatically renew upon maturity unless otherwise stipulated by the member. Early withdrawal penalties may apply. Account dividends compounded and credited monthly. 7-month term is not available as an IRA.
Offer: 7-month term Fixed-Rate Certificates are not available as an IRA.
3.70% interest rate · Effective Sep 23, 2026
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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$280 over 9 months on $10,000
Requirements
Product: Available at branch locations. Interest calculated daily and credited quarterly. Early withdrawal penalties apply. Paper statements provided at no charge.
3.68% interest rate · Effective Oct 3, 2026
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More details - 3.75%APY$280 over 9 months on $10,000intro rate
Requirements
Product: Available only online. No monthly maintenance fee. Deposit at least $1,000 within the first 10 calendar days of account opening to keep account open. 10-day best rate assurance applies at opening and renewal. Early withdrawal penalties apply (9-12 months: 90 days interest; 24-60 months: 180 days interest). Early withdrawals not allowed within the first 25 calendar days.
Offer: Penalty for early closure equals 90 days of interest. Early withdrawals not allowed within first 25 calendar days.
Promotional rate · 3.68% interest rate · Effective Oct 3, 2026
Rate checked
More details - Lafayette Federal Credit UnionVariable-Rate Certificate AccountsCD · 18 months · $50 min
Credit union · 1 branch
3.66%APY$554 over 18 months on $10,000Requirements
Product: Early withdrawal penalties may apply. Rates subject to change without notice. Certificates will automatically renew upon maturity unless otherwise stipulated by the member. Dividends compounded and credited monthly. Must establish membership with Lafayette Federal Credit Union, or be an existing member. Can make additional deposits at any time.
3.60% interest rate · Effective Sep 23, 2026
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More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - 3.00%APY$74 over 3 months on $10,000
Requirements
Product: $1,000 minimum opening deposit. After account opening, there is no minimum balance requirement to obtain the disclosed APY. Early withdrawal penalties and fees may reduce earnings. Rates may vary by location.
2.96% interest rate · Effective Oct 16, 2026
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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 Potomac, MD
205 CDs at 11 banks and credit unions · checked Oct 16–22
- Typical
- 2.00%
- Top 10% from
- 3.81%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.66%
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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