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 31–45 results in Maryland
- 4.20%APY$349 over 10 months on $10,000
Requirements
Product: Rates as high as stated on featured rates.
Offer: Featured rate 'As High As 4.20%'.
Rate checked
More details - 4.20%APY$384 over 11 months on $10,000
Requirements
Product: Early withdrawal penalty may be imposed. JHCU pays dividends based upon available earnings.
4.14% interest rate · Effective Oct 1, 2026
Rate checked
More details - APG Federal Credit Union15-Month Certificate SpecialCD · 15 months · $100 min
Credit union · 18 branches
4.20%APY$528 over 15 months on $10,000intro rateRequirements
Product: Promotional special. Rate and promotion are subject to change at any time without notice. Minimum deposit of $100. 15-month certificate will automatically renew to an 18-month term upon maturity unless action is taken. Penalty for early withdrawal. Fees may reduce earnings.
Offer: Automatically renews to an 18-month term upon maturity unless action is taken. Promotional offer.
Promotional rate · 4.13% interest rate · Effective Jul 24, 2026
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 - Andrews Federal Credit UnionSpecial 13-Month Share CertificateCD · 13 months · $500 min
Credit union · 4 branches
4.15%APY$450 over 13 months on $10,000intro rateRequirements
Product: Must be opened with existing maturing Andrews Federal share certificate funds or new money not currently vested with the Credit Union. Maximum balance is $250,000. Limited time offer. Automatically renews at maturity to a 12-Month share certificate. No penalties apply for early withdrawal. Dividends compounded and credited quarterly.
Offer: Minimum of $500 to open and maintain account to earn advertised APY; maximum balance $250,000. Must be opened with existing maturing Andrews Federal certificate funds or new money. No early withdrawal penalty. At maturity automatically renews to 12-month share certificate.
Promotional rate · 4.09% interest rate · Balance cap $250,000
Rate checked
More details - SkyPoint Federal Credit Union13-Month Certificate SpecialCD · 13 months · $1,000 min
Credit union · 3 branches
4.15%APY$450 over 13 months on $10,000intro rateRequirements
Product: New money requirement: promotional rate available for new funds only (deposits not currently held by SkyPoint Federal Credit Union; funds transferred from existing SkyPoint accounts or maturing CDs are ineligible). IRA certificates are not eligible. Early withdrawal penalties apply. Dividends paid monthly. Renews at a 12-month term (per footnote 3 on p52) or 6-month term (per footnote 3 on p57).
Offer: New money requirement: promotional rate is available for new funds only. Funds transferred from existing SkyPoint accounts including maturing CDs are not eligible. IRA certificates are not eligible. Early withdrawal penalties apply. Dividends paid monthly. Renews at a 12-month or 6-month term unless otherwise requested.
Promotional rate · 4.07% interest rate · Effective Oct 3, 2026
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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
Rate checked
More details - First Peoples Community Federal Credit UnionCertificatesCD · 15 months · $500 min
Credit union · 9 branches
4.15%APY$521 over 15 months on $10,000Requirements
Product: Early withdrawal penalty applies. Minimum deposit of $500. Non-promo certificates automatically renew into the same term. Certificate Specials renew at the non-promotional rate.
Offer: Renews at an 18-month non-promotional rate. Early withdrawal penalty applies.
4.07% interest rate
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More details - 4.11%APY$803 over 23 months on $10,000intro rate
Requirements
Product: Online CD promotion. Open online in minutes. Fixed APY.
Offer: Open online in minutes. Limited-time promotional online CD.
Promotional rate
Rate checked
More details - 4.10%APY$237 over 7 months on $10,000
Requirements
Product: Accounts available for Maryland and Pennsylvania residents only; all others are on a case-by-case basis. All applicants must physically come to branch location to open any account.
Offer: CD Special renews at a 6 month term and rate.
4.02% interest rate · Effective Oct 20, 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
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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
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More details - Tidemark Federal Credit UnionRegular Share CertificatesCD · 12 months · $500 min
Credit union · 1 branch
4.10%APY$410 over 1 year on $10,0004.02% interest rate · Effective Sep 23, 2026
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More details - 4.10%APY$445 over 13 months on $10,000
Requirements
Product: Minimum deposit $1,000. Early withdrawal penalty may apply. Step-Up CDs allow one rate adjustment during term.
4.03% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.10%APY$445 over 13 months on $10,000
Requirements
Product: $500 required to open a Certificate of Deposit, $100 for add-on CD, $100,000 for jumbo CD. Early withdrawal penalty may apply. Membership eligibility required.
4.04% interest rate · Effective Aug 26, 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 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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Find your bank or credit union to see all its rates and how they compare near you.
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