Compare Bank & Credit Union Rates
Best CD rates in Westminster, MD
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Westminster, MD
- First Financial Federal Credit UnionFinancial Dimensions Client Certificate SpecialCD · 7 months · $500 min
Credit union · 1 branch
5.00%APY$289 over 7 months on $10,000with conditionsRequirements
Product: Limited-time offer. Dividends compounded daily and credited monthly. Early withdrawal penalties apply. Must have $500,000 or more in assets under Financial Dimensions management. Limited to one certificate per household. Maximum opening amount is $100,000. Will not automatically renew at maturity; entire balance will be transferred to share 01 Savings, Traditional IRA Savings, or Roth IRA Savings account. Cannot be opened through Online or Mobile Banking.
Offer: Must have $500,000 or more in assets under Financial Dimensions management. Limited to one certificate per household. Cannot be opened via Online or Mobile Banking. Does not automatically renew at maturity (balance transfers to share savings or IRA savings).
Qualified rate · 4.88% interest rate · Compounded daily · Balance cap $100,000 · Effective Oct 2, 2026
Rate checked
More details - First Financial Federal Credit UnionCertificate Specials – ShareCD · 9 months · $5,000 min
Credit union · 1 branch
4.35%APY$325 over 9 months on $10,000intro rateRequirements
Product: Limited-time offers. Certificate dividends are compounded daily and credited monthly. Early withdrawal penalties apply. Special APY terminates when certificate renews or is closed.
Offer: New money required: opening funds must originate from a financial institution other than First Financial FCU within 30 days prior to share certificate origination. Automatically renews for 9-month terms unless directed to close or renew for another available term. Special APY terminates at renewal.
Promotional rate · 4.26% interest rate · Compounded daily · Effective Oct 2, 2026
Rate checked
More details - First Financial Federal Credit UnionShare CertificateCD · 12 months · $500 min
Credit union · 1 branch
4.35%APY$435 over 1 year on $10,000with conditionsRequirements
Product: Dividends compounded daily and credited monthly. 10-calendar-day grace period with automatic renewal upon maturity. Early withdrawal penalties apply. Option for bump-up after 6 months on 18-, 24-, and 36-month certificates.
Offer: Must meet Better Rewards Checking eligibility requirements at the time of opening or renewing.
Qualified rate · 4.26% interest rate · Compounded daily · Effective Oct 2, 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 · 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$486 over 14 months on $10,000intro rate
Requirements
Product: Minimum balance to open is $500. New money only; funds may not already be on deposit in a Point Breeze account. Interest is compounded and credited monthly. Early withdrawal penalties may apply if any portion of principal is withdrawn prior to maturity. Offer not available to financial institutions.
Offer: 14 Month Promotional CD. New money only. At the conclusion of the 14-month special offer period, the CD automatically renews for a 12-month term at the APY in effect at renewal.
Promotional rate · Effective Oct 3, 2026
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More details - 4.10%APY$237 over 7 months on $10,000intro rate
Requirements
Product: Minimum balance of $500 is required to open and obtain the advertised APY. A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Promotional terms do not automatically renew at the promotional rate.
Offer: NEW MONEY ONLY. Minimum balance of $500 is required to open and obtain the advertised APY. Promotional terms do not automatically renew at the promotional rate.
Promotional rate · 4.02% interest rate · Effective Oct 15, 2026
Rate checked
More details - 3.90%APY$390 over 1 year on $10,000
Requirements
Product: Compounded and credited monthly. Minimum balance to open is $10,000. Early withdrawal penalties may apply if any portion of the principal is withdrawn prior to maturity.
Offer: 12 Month Jumbo CD. Interest compounded and credited monthly.
Effective Oct 3, 2026
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More details - 3.90%APY$390 over 1 year on $10,000
Requirements
Product: Compounded and credited monthly. Minimum balance to open is $500. Early withdrawal penalties may apply if any portion of the principal is withdrawn prior to maturity.
Offer: 12 Month Standard CD. Interest compounded and credited monthly.
Effective Oct 3, 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
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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 - 3.30%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 - First Financial Federal Credit UnionCertificate Builder – (Share)CD · 11 months · $100 min · up to $10,000
Credit union · 1 branch
3.10%APY$284 over 11 months on $10,000Requirements
Product: Dividends compounded daily and credited monthly. One-time penalty-free withdrawal after 7 days. Additional deposits may be made prior to maturity. Principal balance or additional deposits after opening may not exceed $10,000. Deposits exceeding maximum balance may be distributed to a new Certificate Builder account. Automatically renews to like terms upon maturity.
Offer: One time penalty free withdrawal after 7 days. Additional deposits allowed prior to maturity up to $10,000 maximum balance.
3.05% interest rate · Compounded daily · Effective Oct 2, 2026
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 1 branch
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
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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 Westminster, MD
161 CDs at 8 banks and credit unions · checked Oct 16–22
- Typical
- 1.01%
- Top 10% from
- 3.95%
- Banks, typical
- 0.40%
- Credit unions, typical
- 3.75%
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Baltimore, MD metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Educational Systems Federal Credit UnionCredit union · 1 branch
- Tower Federal Credit UnionCredit union · 15 branches
- Freedom Federal Credit UnionCredit union · 8 branches