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 1–15 results in Maryland
- 5.00%APY$500 over 1 year on $10,000
Requirements
Product: Membership eligibility required. Early withdrawal penalties apply. Single deposit only (no additional deposits permitted after account opening). NCUA insured up to $250,000.
Offer: Special APY requires Checking account, First Eagle debit card, and monthly deposits of at least $100.00. Funds must be new money to the Credit Union (deposited within the last 30 days or not currently on deposit, excluding funds withdrawn and redeposited during the promotion period). Maximum deposit $100,000.
4.89% interest rate · Balance cap $100,000 · Effective Oct 1, 2026
Rate checked
More details - Tower Federal Credit UnionRegular and Special Share CertificatesCD · 12 months · $500 min
Credit union · 17 branches
4.95%APY$495 over 1 year on $10,000intro rateRequirements
Product: Early withdrawal penalty applies. 3 month, 9 month, and 18 month terms are Special Share Certificates offered for a limited time and automatically renew at the next highest term Share Certificate unless funds are withdrawn at maturity.
Offer: Early withdrawal penalty applies.
Promotional rate · 4.83% interest rate · Effective Oct 9, 2026
Rate checked
More details - 4.59%APY$459 over 1 year on $10,000intro rate
Requirements
Product: POCUMD membership is required to open a Certificate of Deposit. Rates are subject to change monthly and are fixed for the term of the certificate. Certificates dividends compound daily. Withdrawal of funds before maturity date incurs early withdrawal penalty. Single term only; accounts will not automatically renew at maturity and will not pay dividends after maturity. Insured up to $250,000.
Offer: Limited time only.
Promotional rate · 4.50% interest rate
Rate checked
More details - 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 - 4.37%APY$437 over 1 year on $10,000intro rate
Requirements
Product: Dividend payment postings for Share Certificates are paid on the last day of each quarter. Transaction grace period of 10 days from renewal date. Early withdrawal penalty may be imposed.
Offer: Paycheck Certificate Promo.
Promotional rate · 4.30% interest rate
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More details - 4.35%APY$435 over 1 year on $10,000
Requirements
Product: Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Method: Average Daily Balance. Limitations: Early withdrawal penalties apply and may reduce earnings. Refer to Member Services Agreement. Fees: Fees could reduce earnings. Refer to Schedule of Fees. Terms: Certificate Terms and Conditions
Offer: Annual Percentage Yield as of October 1, 2026. Minimum $50 deposit to open. Must be age 23 or under to be eligible. Additional deposits of at least $25 can be made at any time, but are not required. Balance, including dividends, cannot exceed $50,000 and any excess will be automatically transferred to the Prime Savings account. Early withdrawal penalties apply and may reduce earnings. Unless otherwise instructed, at age 24, an Early Savers Certificate will automatically renew to a standard 12-month term at the rate in effect at the time of renewal unless the certificate has a balance of less than $1,000, in which case, the balance will be transferred to the Prime Savings account.
4.27% interest rate · Balance cap $50,000 · Effective Oct 1, 2026
Rate checked
More details - NASA Federal Credit UnionShare CertificatesCD · 12 months · $250 min · 4.25%–4.35% by balance
Credit union · 7 branches
4.35%APY$435 over 1 year on $10,000Requirements
Product: Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Method: Average Daily Balance. Limitations: Early withdrawal penalties apply and may reduce earnings. Refer to Member Services Agreement. Fees: Fees could reduce earnings. Refer to Schedule of Fees. Terms: Certificate Terms and Conditions
Offer: Annual Percentage Yield as of October 1, 2026. Minimum $250 deposit to open; maximum $2,500 per month add on. Special certificate renews automatically to a standard 12-month term at the rate in effect at the time of renewal unless otherwise instructed. Additional deposits of at least $25 must be made by automated means (i.e. account-to-account transfers, Online Banking recurring or non-recurring transfers, etc.) but are not required. Early withdrawal penalties apply and may reduce earnings. Additional conditions apply.
4.17% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $250 and up 4.25% $1,000 and upYour amount 4.35% 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 - Educational Systems Federal Credit UnionCertificateCD · 12 months · $500 min
Credit union · 13 branches
4.30%APY$430 over 1 year on $10,000intro rateRequirements
Product: Regular (non-Jumbo) Certificate. Membership required. $500 minimum to open except 11-month promotional Certificate. Dividends compounded and credited quarterly except the 11-month promotion (monthly). Additional deposits not permitted after opening. Automatically renews at maturity. Star Member is a member with $25,000 in combined deposits and/or loans; Business and Association accounts are not eligible.
Offer: Star Member rate: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible.
Promotional rate · 4.23% interest rate · Effective Oct 19, 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 - Educational Systems Federal Credit UnionCertificateCD · 12 months · $500 min
Credit union · 13 branches
4.25%APY$425 over 1 year on $10,000intro rateRequirements
Product: Regular (non-Jumbo) Certificate. Membership required. $500 minimum to open except 11-month promotional Certificate. Dividends compounded and credited quarterly except the 11-month promotion (monthly). Additional deposits not permitted after opening. Automatically renews at maturity. Star Member is a member with $25,000 in combined deposits and/or loans; Business and Association accounts are not eligible.
Offer: Standard (non-Star) rate. Membership required. Dividends compounded and credited quarterly. Additional deposits not permitted after opening. Automatically renewed.
Promotional rate · 4.18% interest rate · Effective Oct 19, 2026
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 - 4.25%APY$425 over 1 year on $10,000
Requirements
Product: Membership required ($5 one-time membership share). Fixed dividend rate. Option to extend term by 6 months or more at prevailing rate. Dividends compounded daily and credited monthly. Penalties apply for early withdrawal. Fees may reduce earnings.
Offer: Dividends compounded daily and credited monthly. Penalties apply for early withdrawal. Membership required.
4.16% interest rate · Compounded daily · Effective Oct 7, 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 - Library of Congress Federal Credit UnionShare CertificateCD · 12–17 months · $500 min
Credit union · 1 branch
4.22%APYRequirements
Product: $500 minimum balance required. Computed daily from day of deposit to the day of withdrawal, paid and compounded quarterly. Terms less than 6 months will pay at maturity. Early withdrawal penalty applies. Can be used as security for a LCFCU loan.
Offer: Compounded quarterly
4.15% interest rate · Compounded quarterly · 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 1-year CDs pay in Maryland
126 CDs at 90 banks and credit unions · checked Oct 15–22
- Typical
- 3.55%
- Top 10% from
- 4.25%
- Banks, typical
- 2.11%
- Credit unions, typical
- 3.75%
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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