Compare Bank & Credit Union Rates
Best CD rates in Maryland
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 16–30 results in Maryland
- First Financial Federal Credit UnionCertificate Specials – ShareCD · 9 months · $5,000 min
Credit union · 10 branches
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 · 10 branches
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 - 4.31%APY$2,349 over 60 months on $10,000
Requirements
Product: APY is based on a $1,000 deposit and may vary based on the amount of deposit. Early withdrawal penalty applies: 90 days' dividends for terms less than 1 year, 180 days' dividends for terms of 1 year or more.
Offer: APY is based on a $1,000 deposit and may vary based on the amount of deposit.
4.23% interest rate · Effective Oct 3, 2026
Rate checked
More details - 4.30%APY$321 over 9 months on $10,000
Requirements
Product: Dividends are compounded and credited quarterly on the daily balance. There may be a penalty for early withdrawal. Fees may reduce earnings.
4.23% interest rate · Effective Oct 3, 2026
Rate checked
More details - Northwest Federal Credit UnionCommunity 5 Month CertificateCD · 5 months · $1,000 min
Credit union · 1 branch
4.25%APY$175 over 5 months on $10,000intro rateRequirements
Product: Exclusive offer available only in-person at the Great Falls Branch. Must be funded with money not currently on deposit at Northwest Federal. Promotional certificates are not eligible for a dividend rate bonus.
Offer: Exclusive offer available only in-person at the Great Falls Branch. Must be funded with money not currently on deposit at Northwest Federal. Promotional certificates are not eligible for a dividend rate bonus.
Promotional rate · 4.17% interest rate
Rate checked
More details - 4.25%APY$281 over 8 months on $10,000intro rate
Requirements
Product: Start for as little as $500. Flexible terms from 6 to 60 months. Dividends compound monthly. Federally insured up to $250,000.
Offer: 8-month Special
Promotional rate · 4.17% interest rate
Rate checked
More details - 4.25%APY$317 over 9 months on $10,000
Requirements
Product: A $500 minimum deposit is required. Daily balance method is used to calculate the interest. APY was calculated based on monthly compounding and assumes that all interest earned will remain on deposit until maturity. Penalties may be imposed for early CD withdrawal.
Offer: Special Promotional APY is subject to change without notice. This offer is valid for consumers only and applies to new certificates of deposit opened with qualifying funds for Woodforest checking account holders. Qualifying funds are new funds deposited into a certificate of deposit that are not from money currently or previously held in any account at Woodforest National Bank. This is a limited time offer and may be withdrawn at any time without notice.
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 - 4.25%APY$425 over 1 year on $10,000
4.16% interest rate
Rate checked
More details - 4.25%APY$425 over 1 year on $10,000
Requirements
Product: Dividends compounded daily and credited monthly. Early withdrawal penalties apply. Renewal rates at maturity will be at the prevailing rates and may be higher or lower than the maturing certificate rate.
4.16% interest rate · Compounded daily · Effective Oct 14, 2026
Rate by balance
Rate by balance for Certificate Balance APY $500 and up 4.25% $10,000 and upYour amount 4.25% $100,000 and up12-month jumbo certificate cannot be opened online. Visit any branch or call 1-800-877-6440 for support. 4.75% Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 113 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 - 4.25%APY$498 over 14 months on $10,000intro rate
Requirements
Product: Minimum balance to open and earn promotional rate is $500. A penalty may be imposed for early withdrawal of funds. Fees could reduce earnings.
Promotional rate · Effective Aug 17, 2026
Rate checked
More details - 4.25%APY$868 over 24 months on $10,000
Requirements
Product: Dividends are calculated daily, compounded and paid monthly and at maturity. Early withdrawal penalties apply and may reduce earnings.
Offer: Minimum balance of $1,000 to open.
4.17% interest rate · Effective Oct 4, 2026
Rate checked
More details - 4.25%APY$1,330 over 36 months on $10,000
Requirements
Product: FDIC-insured. Minimum opening balance $500. Automatically renews. Interest credited quarterly. Non-IRA certificates may be pledged as collateral for a share loan. Early withdrawal penalty may apply.
Offer: Quarterly compounding. Early withdrawal penalty may apply.
4.18% interest rate · Effective Oct 15, 2026
Rate checked
More details - Self Reliance Financial Federal Credit UnionCertificateCD · 12 months · $500 min
Credit union · 1 branch
4.24%APY$424 over 1 year on $10,000Requirements
Product: Must be a member of SRFFCU. Rate is fixed for the term. APY assumes dividends remain on deposit until maturity. A minimum balance of $500 is required to open a Certificate and earn the advertised dividend rate. Renewal at maturity at then-current rate. Penalty may be imposed for early withdrawal of principal. Fees may reduce earnings.
Offer: Early withdrawal penalty: 3 month interest (90 days' dividends).
4.15% interest rate · Effective Oct 16, 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 Maryland
1,074 CDs at 98 banks and credit unions · checked Oct 16–22
- Typical
- 3.19%
- Top 10% from
- 4.09%
- Banks, typical
- 2.02%
- Credit unions, typical
- 3.55%
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Maryland
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Educational Systems Federal Credit UnionCredit union · 13 branches
- Tower Federal Credit UnionCredit union · 17 branches
- EagleBankBank · 7 branches