Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 16–30 results in Baltimore, MD metro
- 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 - 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%'.
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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 · 13 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
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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
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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
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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$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
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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 - WesBancoCertificates of Deposit (CDs)CD · 14 months · $1,000 min · 3.35%–4.10% by balance
Bank · 7 branches
4.10%APY$480 over 14 months on $10,000with conditionsRequirements
Product: Available in term increments from 3-60 months, earning a fixed-rate of interest. A penalty will be imposed for early withdrawal. Automatically renews at the end of the term unless instructed otherwise. Fees can reduce earnings.
Offer: $1,000 min. balance requirement to open. Apply Online. Penalty for early withdrawal.
Qualified rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY Any balance 3.35% $1,000 – $9,999$1,000 – $9,999 in new money to WesBanco and have an active WesBanco checking account. Open in Branch. Funds deposited to a WesBanco deposit account within 30 days of opening the CD may qualify as new money. 3.85% $10,000 and upYour amountAbove $10,000 in new money to WesBanco and have an active WesBanco checking account. Open in Branch. The minimum to obtain the advertised APY is $10,000. Funds deposited to a WesBanco deposit account within 30 days of opening the CD may qualify as new money. 4.10% Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance
Credit union · 8 branches
4.10%APY$621 over 18 months on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.10% $20,000 and up 4.10% $100,000 and up 4.15% Rate checked
More details - 4.05%APY$371 over 11 months on $10,000
Requirements
Product: Available for accounts opened online only. Minimum balance to open and obtain APY is $500; maximum amount is $10,000,000. Interest is compounded and credited quarterly. Penalty may be imposed for early withdrawal. At maturity, automatically rolls into a Standard CD at the standard rate closest to the initial term unless otherwise directed.
Offer: Opened online only. Interest credited quarterly. Early withdrawal penalty may apply.
3.99% interest rate · Balance cap $10,000,000
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More details - 4.00%APY$165 over 5 months on $10,000intro rate
Requirements
Product: Minimum opening deposit $5,000, maximum $250,000. Must be funded via ACH transfer from an external bank account. Funds must be new money, not on deposit with First Citizens within the past 90 days. Must be opened by an individual residing in a state where a First Citizens branch exists. Not available as an IRA.
Offer: Earn up to 4.00% APY on a 5-month CD.
Promotional rate
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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 Baltimore, MD metro
613 CDs at 51 banks and credit unions · checked Oct 16–22
- Typical
- 3.00%
- Top 10% from
- 4.10%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.60%
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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