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 46–60 results in Baltimore, MD metro
- Freedom Federal Credit UnionRegular Share CertificateCD · 12 months · $300 min
Credit union · 8 branches
3.80%APY$380 over 1 year on $10,000intro rateRequirements
Product: Minimum opening deposit of $300 for regular share accounts; $5 minimum deposit for youth club members under 18 years of age. Early withdrawal penalty may apply.
Offer: $300 minimum opening deposit ($5 for youth club members under 18)
Promotional rate · 3.75% interest rate · Effective Sep 25, 2026
Rate checked
More details - 3.75%APY$186 over 6 months on $10,000
Requirements
Product: Available online in states where Woori America Bank branches are located (NY, NJ, PA, MD, VA, GA, TX, CA). Pays simple interest credited at maturity (interest is not compounded). Automatically renews at maturity. Penalty will or may be imposed for early withdrawal.
Offer: Fixed interest rate applied until maturity. Pays simple interest credited at maturity. No monthly maintenance fee.
Effective Mar 27, 2026
Rate checked
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 - 3.75%APY$217 over 7 months on $10,000intro rate
Requirements
Product: $2,500 minimum deposit of new funds required (funds not currently on deposit at Firstrust Bank or through Firstrust Financial Resources). Maximum deposit $500,000. Available in PA/NJ/DE only. Penalty for early withdrawal. Seven calendar day grace period at maturity.
Offer: 7-Month Touchdown CD initial APY. APY increases in basis points by the number of points the Eagles score in the first game played after opening and funding (1 bp = 0.01%). $2,500 minimum deposit of new funds required.
Promotional rate · Balance cap $500,000 · Effective Sep 1, 2026
Rate checked
More details - 3.75%APY$312 over 10 months on $10,000intro rate
Requirements
Product: Limited-time offer. Open online.
Offer: Limited-time offer. Open online.
Promotional rate
Rate checked
More details - Securityplus Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · 5 branches
3.75%APY$375 over 1 year on $10,000Requirements
Product: Minimum initial opening deposit of $1,000. Early withdrawal penalties may apply.
Offer: Minimum Funding Requirement: $1,000.
3.69% interest rate
Rate checked
More details - 3.71%APY$371 over 1 year on $10,000
3.65% interest rate
Rate checked
More details - 3.60%APY$391 over 13 months on $10,000with conditions
Requirements
Product: Promotional Certificate of Deposit valid for consumers. There is a $1,000 minimum balance to open the Certificate of Deposit and obtain Annual Percentage Yield (APY). A penalty will be imposed for early withdrawal.
Offer: Eligible for Preferred Pricing rate bonus when primary/secondary owner also owns Relationship Banking, Premier Relationship Banking, or Private Bank Checking account.
Qualified rate · 3.54% interest rate
Rate checked
More details - Five Star Federal Credit UnionRegular Share CertificatesCD · 48 months · $500 min
Credit union · 4 branches
3.55%APY$1,497 over 48 months on $10,000Requirements
Product: Earnings are paid using Average Daily Balance method and credited and compounded quarterly. Minimum deposit is $500. Automatic renewal at maturity with 10-day grace period. Early withdrawal penalties apply.
3.50% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate checked
More details - APG Federal Credit UnionMember Rewards Gold CertificateCD · 48 months · $100 min
Credit union · 13 branches
3.55%APY$1,497 over 48 months on $10,000Requirements
Product: Requires Member Rewards Gold level. Early withdrawal penalties and fees may reduce earnings.
Offer: Member Rewards Gold level
3.50% interest rate · Effective Oct 3, 2026
Rate checked
More details - MECU Credit UnionSuperFlex Certificate of Deposit (CD)CD · 11 months · $5,000 min
Credit union · 9 branches
3.50%APY$320 over 11 months on $10,000Requirements
Product: Minimum opening deposit of $5,000. Build investment with automatic transfers from another MECU account. No withdrawals until 7 business days after initial deposit or additional deposits. Only one withdrawal without paying penalty permitted; withdrawal must leave balance of at least $1,000. Early withdrawal penalty may be imposed for withdrawal of principal before maturity date. MECU membership eligibility required.
Offer: Minimum opening deposit $5,000; minimum balance to earn interest is $1,000. Only one withdrawal without paying penalty permitted; withdrawal must leave balance of at least $1,000. Early withdrawal penalty may be imposed for withdrawal of principal before maturity date.
Effective Oct 3, 2026
Rate checked
More details - APG Federal Credit UnionMember Rewards Silver CertificateCD · 48 months · $100 min
Credit union · 13 branches
3.43%APY$1,444 over 48 months on $10,000Requirements
Product: Requires Member Rewards Silver level. Early withdrawal penalties and fees may reduce earnings.
Offer: Member Rewards Silver level
3.38% interest rate · Effective Oct 3, 2026
Rate checked
More details - 3.35%APY$250 over 9 months on $10,000
Requirements
Product: Standard Certificate of Deposit. There is a $1,000 minimum balance to open the Certificate of Deposit and obtain Annual Percentage Yield (APY). A penalty will be imposed for early withdrawal. Preferred Pricing rate bonus may be available with qualifying relationship checking account.
Offer: 9 Month No Penalty CD: Funds must remain on deposit at least seven days after which a full withdrawal is allowed without penalty. 9 Month No Penalty CD is not available as an IRA account.
3.30% interest rate
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 - 3.30%APY$330 over 1 year on $10,000
Requirements
Product: $500 minimum deposit to open. No setup or monthly maintenance fees. Penalty for early withdrawal applies (equal to 90 days interest on withdrawn amount). Members have the opportunity to Step Up to a higher rate one time during the certificate term.
Offer: Penalty for early withdrawal applies (90 days interest). One-time Step Up option during term.
3.25% interest rate · Effective Oct 20, 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 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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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